Short answer
Already running an AAMCO center? Merchant Fund Express funds it with a business loan, a merchant cash advance, revenue-based financing, a line of credit, equipment financing or working capital, from $5,000 to $5,000,000. Owners use it for lifts and diagnostic gear, transmission cores and parts, technician wages and local advertising. Send three months of business bank statements with the application and a specialist usually comes back within 2–4 hours, with same-day funding available.
Every way to fund your AAMCO location
Already running a AAMCO location and need capital? Merchant Fund Express funds existing franchise owners with every structure below, from $5,000 to $5,000,000, on one application. Terms depend on the business's revenue and history.
| Product | What it does at a AAMCO location |
|---|---|
| Business loan | A fixed sum for a planned project, such as converting a bay or refitting the waiting area. |
| Merchant cash advance | Fast cash repaid as a share of card receipts, so a quiet week takes a smaller bite. |
| Revenue-based financing | Payments that rise and fall with monthly repair revenue rather than a set figure. |
| Line of credit | A reusable limit for parts orders while big tickets sit on the lift. |
| Equipment financing | Lifts, transmission jacks, flush units and diagnostic computers, priced off a vendor quote. |
| Working capital | Technician payroll, ad spend and the rest of the running costs between paydays. |
What AAMCO owners call about
Long-ticket jobs, slow cash
A rebuild can hold a car for several days. Parts and labor go out first; the customer's payment arrives at pickup.
Bay equipment
Lifts, transmission jacks, flush machines and scan tools decide how many cars the center can turn in a week.
Technician wages
Rebuild specialists are scarce. Missing a payroll because one big ticket is still on the lift is not an option.
Keeping the phones ringing
Search ads and local promotion feed the bays, and the bill for them is due before the work comes in.
Fastest fit for each AAMCO need
| The need | Usually fits | Send with the application |
|---|---|---|
| Second lift or a new jack | Equipment financing | Vendor quote |
| Rebuild parts and cores for a busy month | Line of credit | Recent parts invoices |
| Payroll while several rebuilds are open | Working capital | Payroll total per period |
| Search and radio campaign | Revenue-based financing | Campaign budget |
| Bay conversion or waiting-room refit | Business loan | Contractor bid |
Why an AAMCO center needs a fast answer
AAMCO's franchise site lists a 7.5% royalty on gross sales, and its investment summary budgets separately for opening advertising. Add parts suppliers and payroll, and an owner's cash is spoken for well before the month's tickets are collected.
That is why speed matters more than the headline rate on most AAMCO requests. A lift that goes down on a Tuesday costs bay-hours every day it waits. Merchant Fund Express reads the center's own deposits, subtracts the royalty and current payments, and sizes something the shop can carry.
How fast it moves, and what to send
- Apply in about 4 minutesName AAMCO as the brand, the amount and the job the money does.
- Send three months of statementsBusiness bank statements for the entity that owns the location, plus photo ID for each owner.
- Decision in 2–4 hoursA specialist reads deposits and current payments, then returns the fit.
- FundsSame-day funding is available; funding often lands the next business day.
A AAMCO file, start to finish (hypothetical)
An AAMCO owner has three rebuilds on lifts, a fourth car waiting outside and payroll due Friday. They ask for $40,000: $22,000 for a second two-post lift on a dealer quote and $18,000 to cover parts and wages until the open tickets close. A specialist could place the lift on equipment financing and the balance on a line of credit drawn only as needed.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
AAMCO at a glance (public sources)
From AAMCO's official franchising pages. The brand quotes its location count differently on different pages, so we show the home-page figure and note that it carries no date.
Sources: franchises.aamco.com (cost) · franchises.aamco.com (path to ownership) · franchises.aamco.com. Checked Oct 2026. Figures change with each disclosure year; confirm current terms with the franchisor. Anything we could not verify is left out.
Owner questions, answered
How fast can my AAMCO center get funded?
A complete file usually gets a decision in 2–4 hours. Same-day funding is available, and funding often lands the next business day.
Can I finance a lift or diagnostic equipment?
Yes. Send the vendor quote. Lifts, jacks, flush machines and scan tools at an operating center are routine equipment requests.
Big tickets make my deposits uneven. Is that a problem?
No. Rebuild work creates lumpy weeks. A short note on open tickets and fleet accounts helps the specialist read them correctly.
Do I need perfect credit?
No. 500+ FICO is accepted, and the review leans on the center's deposits and time open. No tax returns to apply.
Are you affiliated with AAMCO?
No. We have no business tie to AAMCO or the company that franchises it, and neither has endorsed us. The name is on this page only so AAMCO owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by AAMCO or its franchisor. Merchant Fund Express is a separate, independent company; the brand appears here so its owners can find this page. Terms depend on the business's revenue and history.