Short answer
Running a Christian Brothers Automotive shop? Merchant Fund Express funds it with a business loan, merchant cash advance, revenue-based financing, line of credit, equipment financing or working capital, from $5,000 to $5,000,000. Typical needs are lifts, scan tools, parts and payroll. A complete file usually gets a decision in 2–4 hours.
Every way to fund your Christian Brothers Automotive location
Already running a Christian Brothers Automotive 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 Christian Brothers Automotive location |
|---|---|
| Business loan | A lump sum for a planned project, like added bays or a major equipment refresh. |
| Merchant cash advance | Quick funds repaid from daily card receipts, smaller when a week is slow. |
| Revenue-based financing | Payments that follow monthly revenue, easing the strain in a soft month. |
| Line of credit | A standby limit for parts runs and warranty jobs, drawn only when needed. |
| Equipment financing | Lifts, scan tools, alignment machines and shop gear on a supplier quote. |
| Working capital | Technician payroll and running costs between the week's deposits. |
What Christian Brothers Automotive owners call about
Weekday-only revenue
The shop is closed on weekends, so a week has five days to bring in what seven days of bills require.
An existing loan to serve
Most shops open on a long-term loan, and that payment comes first.
Warranty work
A 3-year, 36,000-mile warranty means some jobs come back with cost and no new revenue.
Adding a second shop
Qualified owners can expand after the first location, and that takes capital.
Fastest fit for each Christian Brothers Automotive need
| The need | Usually fits | Send with the application |
|---|---|---|
| New lift or alignment machine | Equipment financing | Equipment quote |
| Payroll in a slow week | Working capital | Payroll total |
| Parts and warranty jobs piling up | Line of credit | Recent parts invoices |
| Shop refresh or more bays | Business loan | Contractor bid |
| Revenue swings month to month | Revenue-based financing | Three months of statements |
How a Christian Brothers shop is read
Christian Brothers publishes an unusual royalty: a split of bottom-line profit after the monthly loan payment, not a percentage of gross sales. The owner draws a base salary through the business, and shops close on weekends.
Merchant Fund Express takes all of that into account. The existing loan payment, the profit split and the owner's salary are read as known outflows, and the new payment is sized on what remains. Have your loan statement handy.
How fast it moves, and what to send
- Apply in about 4 minutesName Christian Brothers Automotive 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 Christian Brothers Automotive file, start to finish (hypothetical)
An owner wants a third lift and a new alignment system. They ask for $70,000 on a supplier quote and send their loan statement. A specialist could size equipment financing around the existing loan payment.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
Christian Brothers Automotive at a glance (public sources)
From the brand's official franchising pages and its 2026 disclosure. Its pages disagree on fees, investment and location counts, so fees and investment are left out.
Sources: christianbrothersfranchise.com (franchise investment) · christianbrothersfranchise.com (faqs) · christianbrothersfranchise.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
I already have an SBA or conventional loan on the shop. Can I still apply?
Yes. An existing loan is considered, not an automatic decline. List the payment so the new one is sized realistically.
Does a weekend closure count against my shop?
No. A weekday schedule is how the brand operates. The review reads your actual deposits, however many days they come in.
Can I get funding to open a second Christian Brothers shop?
Funding draws on the open shop's deposits; an unopened unit has no history yet.
What credit score is needed?
500+ FICO is accepted. Deposits and time open carry most of the weight, and no tax returns are needed to apply.
Are you affiliated with Christian Brothers Automotive?
No. We have no business tie to Christian Brothers Automotive or the company that franchises it, and neither has endorsed us. The name is on this page only so Christian Brothers Automotive owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by Christian Brothers Automotive 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.