Auto Repair MCA Leads — Independent Auto Service Funding
Independent auto repair is a fragmented vertical with a clean MCA underwriting profile — daily card volume from service tickets, predictable repair-cycle revenue, and capital needs driven by diagnostic equipment, lift replacement, parts inventory, and body-shop frame-rack upgrades. Auto repair MCA conversion runs higher than the cross-vertical average for the same reasons restaurants do: daily card settlement makes holdback math reliable.
Auto repair MCA leads filter to NAICS 811 subcategories — general auto repair (811111), body / paint / interior (811121), transmission (811113), tire dealers (441320), and oil change / lubrication (811191). Each subcategory carries a distinct capital-need profile: body shops fund frame racks and paint booths, transmissions fund Snap-On scan-tool upgrades, tire shops fund seasonal inventory loads.
We surface independent-vs-franchise flag (Pep Boys, AAMCO, Maaco, Midas franchisees vs independents), bay count where partner data carries it, and shop-square-footage band — all useful for funders whose underwriting box considers shop scale.
What You Get
- Repair Subcategory Tagging: General repair / body & paint / transmission / tire / oil change — segmented for targeted pitching.
- Independent vs Franchise Flag: Independent shops vs franchisee-operated units (Pep Boys, AAMCO, Midas, Maaco) — different MCA underwriting profiles apply.
- Bay Count + Shop Size Where Available: Service bay count and shop square-footage band on a subset of records — proxy for capacity and revenue.
- Owner + Mobile + Shop Address: Owner contact block plus physical shop address — useful for outbound where the shop is the merchant's full-time location.
- Card-Volume Estimate: Estimated monthly card volume where partner data carries it — useful for sizing the MCA position envelope.
- Equipment-Need Flagging: Where partner data carries it, recent equipment-purchase activity (lift installation, frame rack, paint booth) is surfaced.
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Pricing and Availability
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Frequently Asked Questions
Are franchise auto shops included?
Yes — but tagged separately. Franchise units (Pep Boys, AAMCO, Midas, Maaco, etc.) carry franchisor-consent risk that some funders price for and others avoid. Filter by franchise flag if preferred.
What's the typical auto repair MCA size?
Independent general repair: $15K–$50K. Body shops: $25K–$100K (frame rack + paint booth needs are larger). Multi-bay independents with 4+ bays: up to $150K. Tire dealers: $20K–$80K depending on inventory model.
Do you filter to specific equipment-need profiles?
Partial — partner data surfaces recent equipment-purchase activity on roughly 25–35% of records. Filtering on equipment-need flag is supported on subscription plans.
How does seasonality affect auto repair MCA?
Body shops + collision repair lift in winter (slip/fall accident season). Tire shops lift in seasonal-change months (April + October). General repair runs flat year-round. We do not seasonality-adjust pricing.
Are quick-lube and oil-change shops included?
Yes — NAICS 811191. Quick-lube has a different MCA profile than general repair (lower ticket, higher daily volume) — useful for funders whose underwriting boxes are tuned to high-frequency small-ticket settlement.
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