Short answer
Own a Jiffy Lube service center? Merchant Fund Express funds it from $5,000 to $5,000,000 with equipment financing, working capital, a credit line, revenue-based financing, an MCA or a business loan. Common uses are pit and dispensing equipment, oil and filter stock, technician wages and Multicare service upgrades. A complete file usually gets a decision in 2–4 hours, with same-day funding available.
Every way to fund your Jiffy Lube location
Already running a Jiffy Lube 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 Jiffy Lube location |
|---|---|
| Business loan | A single sum for a planned project, like bringing an older center up to the full Multicare menu. |
| Merchant cash advance | Fast cash repaid as a share of card receipts, easing off when car count dips. |
| Revenue-based financing | Payments that move with monthly sales through weather and traffic swings. |
| Line of credit | A limit for bulk oil and filter buys, paid down as tickets settle. |
| Equipment financing | Pumps, reels, drain systems, brake lathes and battery testers on a supplier quote. |
| Working capital | Wages for certified techs and training hours while a new service ramps up. |
What Jiffy Lube owners call about
Certified staff on every shift
The brand calls for at least four employees during open hours and an A5-certified tech, so labor cost is set before the first car pulls in.
Multicare add-ons
Brakes, batteries and tires widen the ticket, but each service line needs its own tools and parts.
Pit equipment that never rests
Reels, pumps and drains run all day; one failure backs cars up at the door.
Stock bought ahead
Synthetic oil, filters and wiper blades are bought in bulk before the cars arrive.
Fastest fit for each Jiffy Lube need
| The need | Usually fits | Send with the application |
|---|---|---|
| Failed pump or reel in the lower bay | Equipment financing | Replacement quote |
| Bulk synthetic oil order | Line of credit | Supplier invoice |
| Adding brake or tire service | Business loan | Bids and equipment list |
| Payroll while a new service ramps up | Working capital | Payroll total |
| Uneven car count by season | Revenue-based financing | Three months of statements |
Why speed matters for a Jiffy Lube owner
Jiffy Lube opened the first drive-through oil change bay in 1979, and its model still rewards throughput. Monomoy Capital Partners completed its purchase of Jiffy Lube International on July 1, 2026, and the brand says most of its 2,000-plus North American centers are run by independent franchisees.
For a center that is already open, the question is simple: how fast can a broken pump or a short-staffed week be fixed? Merchant Fund Express reads your center's deposits, subtracts franchisor drafts, supplier drafts and current payments, and comes back with a structure in hours.
How fast it moves, and what to send
- Apply in about 4 minutesName Jiffy Lube 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 Jiffy Lube file, start to finish (hypothetical)
A Jiffy Lube franchisee's drain system fails on a Monday, and the owner also wants tire balancing. They ask for $38,000 across two quotes. A specialist could fund both on equipment financing, decided the day the statements arrive.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
Jiffy Lube at a glance (public sources)
From Jiffy Lube's official franchising pages and its July 2026 announcement. The franchise pages quote two different royalty rates, so royalty is left out; the location count shown is the newer July 2026 statement.
Sources: franchise.jiffylube.com (HowItWorks) · jiffylube.com (monomoy capital partners completes jiffy) · franchise.jiffylube.com (owner). 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
Who owns Jiffy Lube now, and does it matter for funding?
Monomoy Capital Partners completed its purchase of Jiffy Lube International on July 1, 2026. It does not change how your center is funded: Merchant Fund Express reads your own deposits.
Can I fund pit equipment the same day it breaks?
A complete file usually gets a decision in 2–4 hours, and same-day funding is available. Send the replacement quote with the application.
I run several centers in separate entities. How do I apply?
One application per entity, each with its own three months of bank statements.
What credit score do I need?
500+ FICO is accepted. The center's deposits and time open matter most.
Are you affiliated with Jiffy Lube?
No. We have no business tie to Jiffy Lube or the company that franchises it, and neither has endorsed us. The name is on this page only so Jiffy Lube owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by Jiffy Lube 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.