Short answer
Merchant Fund Express funds existing Maaco paint and body centers from $5,000 to $5,000,000 through equipment financing, working capital, a credit line, an MCA, revenue-based financing or a business loan. Owners use it for paint booths and prep stations, paint and materials, painter and body-tech payroll, and fleet work that pays on terms. A complete file usually gets a decision within 2–4 hours.
Every way to fund your Maaco location
Already running a Maaco 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 Maaco location |
|---|---|
| Business loan | A fixed sum for a larger project, such as a second booth or a bigger prep area. |
| Merchant cash advance | Quick capital repaid from card sales, smaller in a soft week. |
| Revenue-based financing | A payment that tracks monthly revenue through the slower months. |
| Line of credit | A limit to bridge fleet invoices and refill paint stock. |
| Equipment financing | Paint booths, prep stations, mixing systems and compressors on a quote. |
| Working capital | Payroll for painters and body techs, plus materials between collections. |
What Maaco owners call about
The paint booth
A booth or its filters, heaters and exhaust going down stops the center's main revenue line.
Fleet invoices on terms
Fleet operators send volume, but they pay on a schedule, not at pickup.
Paint and materials
Paint, primer, clear coat and prep supplies are bought before the cars are finished.
Seasonal swings
Body demand runs lower outside the winter months while the crew still needs a full schedule.
Fastest fit for each Maaco need
| The need | Usually fits | Send with the application |
|---|---|---|
| Booth replacement or upgrade | Equipment financing | Booth quote |
| Fleet accounts paying late | Line of credit | List of open fleet invoices |
| Paint and materials for a busy month | Working capital | Supplier invoices |
| Crew payroll when work slows | Revenue-based financing | Payroll total |
| Second booth or larger prep area | Business loan | Contractor bid |
What makes a Maaco file move fast
Maaco centers earn from three directions: spot repair, retail paint and fleet services. Driven Brands, the parent, describes Maaco as a lower-priced choice for drivers paying out of pocket instead of going through insurance, and notes that body demand dips outside winter. Retail jobs pay at pickup; fleet work often does not.
Merchant Fund Express reads that mix straight from your statements. Tell the specialist which deposits come from fleet accounts and attach any booth or equipment quote, and a decision usually follows within hours. Current payments are counted so the new one fits alongside them.
How fast it moves, and what to send
- Apply in about 4 minutesName Maaco 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 Maaco file, start to finish (hypothetical)
A Maaco owner lands a contract to repaint a regional delivery fleet, but the booth's heater is failing and the fleet pays 45 days after delivery. They ask for $52,000: $30,000 for booth work on a quote and $22,000 for paint and payroll. A specialist could pair equipment financing for the booth with a line of credit for the job.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
Maaco at a glance (public sources)
From Maaco's official franchising pages and Driven Brands' annual report. Maaco's pages give two different cash and net worth figures for new franchisees, so neither is shown.
Sources: maacofranchise.com · SEC filing · maacofranchise.com (faq) · maacofranchise.com (why maaco). 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 new paint booth?
Yes. Send the booth quote. Booths and prep equipment at an operating center are a common equipment financing request.
My fleet customers pay on terms. Can I get funded around that?
Yes. A line of credit or working capital can carry the center until fleet invoices are paid.
How fast is the decision?
Usually 2–4 hours on a complete file, with same-day funding available.
Do I need tax returns?
No. The application, three months of business bank statements and owner ID start the review.
Are you affiliated with Maaco?
No. We have no business tie to Maaco or the company that franchises it, and neither has endorsed us. The name is on this page only so Maaco owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by Maaco 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.