Short answer
If you already own a Big O Tires store, Merchant Fund Express can fund it six ways: 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. Most requests cover tire stock, alignment machines and payroll. A complete file usually gets a decision within 2–4 hours.
Every way to fund your Big O Tires location
Already running a Big O Tires 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 Big O Tires location |
|---|---|
| Business loan | One sum for a planned upgrade, such as adding bays or reworking the showroom and counter. |
| Merchant cash advance | Quick money paid back from card sales, which shrinks in the weeks traffic drops. |
| Revenue-based financing | A cost that follows monthly ticket volume through the busy and quiet tire months. |
| Line of credit | Draw for a big tire order ahead of the season, repay as the sets go out the door. |
| Equipment financing | Alignment racks, tire changers, balancers and lifts on the dealer's quote. |
| Working capital | Technician wages and day-to-day costs while the store waits on slower weeks to pass. |
What Big O Tires owners call about
Tire stock before the rush
When the first cold snap hits, the store with the right sizes on the rack wins the ticket.
Alignment and balancing
An alignment rack that is always booked is turning away brake and suspension work behind it.
Multi-bay staffing
Tires, brakes, oil and repair all run at once in a multi-bay store, and every bay needs a tech on the clock.
Conversion costs
Converted shops often carry old equipment that needs replacing.
Fastest fit for each Big O Tires need
| The need | Usually fits | Send with the application |
|---|---|---|
| Stock winter or all-season sets early | Line of credit | Supplier order or estimate |
| Replace an alignment rack | Equipment financing | Equipment quote |
| Cover payroll through a slow stretch | Working capital | Payroll amount per period |
| Add a bay or refresh the showroom | Business loan | Contractor bid |
| Fund local ads around a tire promotion | Merchant cash advance | Promotion budget |
What speeds up a Big O Tires request
Big O Tires stores are multi-bay operations handling tires and brakes along with alignments, oil and general repair, with supply flowing through TBC Corporation, the brand's parent. Vendor-funded promotions mean spending often comes in waves: a big order, a promotion, then the sales.
Merchant Fund Express sizes the request on what your store actually deposits, not on brand-wide averages. If a rebate check or a fleet account explains a jump in deposits, say so in one line. Attach the order or quote and the specialist can usually decide within hours.
How fast it moves, and what to send
- Apply in about 4 minutesName Big O Tires 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 Big O Tires file, start to finish (hypothetical)
Ahead of winter, a Big O Tires owner wants to stock up on snow and all-season sets and replace a tire changer that keeps failing. They ask for $35,000: $24,000 in tires on a supplier order and $11,000 for the changer on a quote. A specialist could put the changer on equipment financing and open a line of credit for the tires, drawn as the order ships.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
Big O Tires at a glance (public sources)
From Big O Tires' official franchising site. The site gives two slightly different location counts, so we show the lower stated figure. Fee and royalty figures were not clearly published and are left out.
Sources: bigofranchise.com · bigofranchise.com (franchise investment and costs) · bigofranchise.com (franchise opportunity). 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
Can I fund a seasonal tire order?
Yes. Inventory bought ahead of a busy season fits a line of credit or working capital, repaid as the tires sell.
How quickly will I hear back?
Usually within 2–4 hours of a complete file, with same-day funding available.
I converted my shop to Big O Tires. Does that change anything?
No. What matters is that the store is open and depositing revenue. List any equipment payments left from before the conversion.
What paperwork do I need?
The application, three months of business bank statements and ID for each owner. No tax returns to apply.
Are you affiliated with Big O Tires?
No. We have no business tie to Big O Tires or the company that franchises it, and neither has endorsed us. The name is on this page only so Big O Tires owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by Big O Tires 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.