Short answer
Midas franchise owners with an operating shop can apply with Merchant Fund Express for equipment financing, working capital, a line of credit, invoice factoring or revenue-based financing from $5,000 to $5,000,000. Typical uses are lifts and alignment equipment, tire and parts inventory, diagnostic tools and technician payroll. Each shop is reviewed on its own deposits and existing payments, and a complete file usually gets a decision in 2–4 hours. Merchant Fund Express is independent of Midas.
What Midas owners usually need funded
Lifts and alignment
Bay equipment that sets how many cars the shop can handle.
Tires and parts
Inventory for full-service repair and tire sales.
Diagnostics
Scan tools and software updates for newer vehicles.
Technician payroll
Skilled techs are hard to replace; payroll has to be steady.
Every way to fund your Midas location
Already running a Midas location and need capital? Merchant Fund Express funds existing Midas owners with every structure below, from $5,000 to $5,000,000, on one 4-minute application.
| Product | What it does for a Midas store |
|---|---|
| Business loan | A lump sum for a new lift bay or alignment upgrade. Franchise business loans. |
| Merchant cash advance | Fast capital repaid as a share of card and bank deposits, so a slow week takes a smaller bite. Franchise MCA. |
| Revenue-based financing | Payments that track winter-tire and road-trip sales instead of a fixed amount. Revenue-based financing. |
| Line of credit | A reusable limit for technician payroll when fleet invoices run late. Line of credit. |
| Equipment financing | For lifts, alignment machines and scan tools, with the equipment anchoring the deal. Equipment financing. |
| Working capital | For parts and tire inventory, repaid from the store's own revenue. Working capital. |
Already carrying an advance? Existing advances are considered, and MCA refinance is there to lower the payment. More owners in your category: Automotive franchise funding.
Match the need to the funding
| If you need to… | Look at | Why it fits |
|---|---|---|
| Add or replace a lift | Equipment financing | Long useful life |
| Upgrade alignment equipment | Equipment financing | Quote-driven |
| Stock tires before winter | Working capital | Seasonal inventory |
| Fleet accounts paying late | Invoice factoring | Bridge receivables |
| Tech payroll in a slow month | Payroll funding | Working capital or line |
What a reviewer looks at in a Midas shop
Midas describes itself as a full-service auto repair and tire business with more than 2,000 locations worldwide. Some of the investment figures on its franchising pages cite an older disclosure document, so we have only listed what was clearly stated. For an existing owner, the more useful numbers are in your own statements: repair-ticket deposits, any fleet or commercial payments, parts supplier draws and existing equipment payments.
Lifts and alignment machines have long useful lives, which suits equipment financing with a matching term. Tire inventory is seasonal in many markets and fits a short working capital amount. If you service fleet accounts that pay on terms, invoice factoring can turn those invoices into cash sooner. For the wider sector, see automotive franchise funding.
How fast it moves, and what to send
- Apply in about 4 minutesName Midas as your brand, give the store address and say what the money is for.
- Upload statements and IDThree months of business bank statements for the entity that owns the store, plus ID for each owner.
- Decision, usually in 2–4 hoursMerchant Fund Express reviews deposits and existing payments and presents the option that fits.
- FundingSame-day funding is available on approved files; funding often lands the next business day.
A worked example (hypothetical)
A Midas owner turns away alignment work most weeks and wants a second alignment machine plus a winter tire order. They ask for $55,000 with the vendor quote and the tire distributor's order. A reviewer would read deposits and existing payments and could offer equipment financing for the machine and a smaller working capital piece for tires, repaid as the season sells through.
Hypothetical illustration of how a file is sized, not a past transaction.
Midas at a glance (public sources)
From Midas's official franchising site. Some figures there cite a 2021 disclosure document and the investment ranges disagree across pages, so royalties and investment ranges are left out.
Sources: Midas franchise · Franchise investment and costs. 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 operate a Midas location. Can I apply?
Yes. If the shop is operating and depositing revenue, Merchant Fund Express funds open stores like yours.
What documents do I need?
The application, three months of business bank statements and owner ID. No tax returns to apply.
Can I finance a lift or alignment machine?
Yes. Bay equipment at an operating shop is a common equipment financing request.
Can I get payroll funding for my technicians?
Payroll is a common use of working capital or a line of credit. Apply ahead of the payroll date.
Are you affiliated with Midas?
No. We are a separate, independent company with no tie to Midas or the company that franchises it. Midas is named here only so its owners can find a page written for them.
Keep going
Not affiliated with or endorsed by Midas 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.