Business Loans for Garages & MOT service centres
Get £3k to £300k in 24 hours*
- Pay back through future card sales
- Unsecured – there’s no worry
- Same day business funding
Quick Decision with No Obligation
Get £3k to £300k in 24 hours*
Quick Decision with No Obligation
Whether you’re looking to expand your garage or MOT test centre, refurbish or buy new machinery, equipment or tools - you need healthy cash flow and access to no-fuss borrowing. A merchant cash advance provides such a solution and is ‘the’ flexible business loan you need.
Unlock funding from £3,000 up to £300,000 against your customer card sales.
Automatically repay a small percentage when customers purchase by card – There are no fixed payments.
The advance is unsecured, so your business assets are safe.
A quick decision and process mean you can access your money in just 24 hours* after approval.
The cost of finance is made clear to you upfront. There are no hidden costs, confusing APR’s or other nasty charges.
Apply at any time - We can process your application 24 hours a day.
Quick Decision with No Obligation
With 41.7 million licensed vehicles on UK roads according to the Department for Transport, the demand for vehicle servicing and mechanical care has never been higher. At the same time, competition is growing. There are over 42,000 service locations employing more than 64,000 qualified MOT testers across the UK. In such a crowded market, staying ahead means investing in your garage, your equipment, and your team.
But funding those investments isn’t always straightforward. Whether it’s purchasing a new garage, upgrading old equipment, or managing day-to-day cash flow, many garage owners struggle to find finance that works with their business rather than against it.
That’s where a merchant cash advance comes in. Designed for businesses that take card payments, it’s a flexible, easy-to-manage funding solution. Repayments adjust with your sales meaning if you have a slow month, you pay less, but if your have a busy month, you pay faster. Unlike traditional loans with fixed monthly payments, it keeps your cash flow stress-free and adapts to the ups and downs of your business.
We’ve already helped businesses across the UK in the automotive industry including independent garages, mobile mechanics, body repair shops, and MOT service stations access the finance they need to grow. Apply today to get your free, no-obligation quote and see how we can help your garage thrive.
APPLY NOWQuick Decision with No Obligation
With a merchant cash advance, repayments are taken as a small percentage of your future customer card payments. For example, if a customer’s bill is £300 and your repayment rate is 10%, £30 is automatically repaid to the lender from their card payment, and you keep £270.
There are no upfront costs, hidden fees, or surprises. The process is simple and can be completed online in minutes. For a quote, fill out our simple application form.
A merchant cash advance makes getting finance fast and hassle-free. In many cases, funding can be in your account within 24 hours* once you approve your quote, giving you the flexibility to invest in your garage without waiting weeks.
Yes! Even with a poor personal or business credit history, your garage can still be eligible for a merchant cash advance. We’ve helped many businesses access funding despite bad credit, giving them the support they need to grow.
No business plan is required. A merchant cash advance is approved based on just a few key details, such as your industry, card turnover, how long you’ve been in business, and that you’re UK-based.
Unlike traditional banks or lenders, which often ask for lengthy business plans and slow down the process, a cash advance is quick and straightforward, giving you fast access to the funding you need.
A merchant cash advance is an unsecured form of borrowing which means that you won’t need to own a property or use other assets to secure against the borrowing.
Yes, a merchant cash advance can be used to fund equipment or machinery for your garage. From MOT Test Bays and Automated Test Lanes to vehicle lifts, roller brake testers, emission testers, wheel balancers, and tyre changers, garage equipment is a major investment. The right finance lets you upgrade your tools, improving the quality and speed of service for your loyal customers.
Applying for a garage business loan is fast and straightforward. Simply complete our short application form, provide a few basic details, and you’ll receive a no-obligation quote tailored to your garage’s funding needs.
Quick Decision with No Obligation
"We’ve already helped many garages and MOT service stations across the UK unlock finance they need to grow"
£20+ Million
Total Funded to Businesses
90%
Application Approval Rate
The process is fast, simple and straightforward. It's hassle-free, meaning there's no complicated paperwork to complete so you can focus on growing your business.
Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.
The merchant cash advance can be with you in as little as 24 hours* after approval.
You simply pay back a small percentage of your future card sales as they happen. You only repay when you sell.
Quick Decision with No Obligation
