Funding for Tulsa Auto Repair & Heavy-Duty Service Shops

The Tulsa shop mix is heavier than most

Tulsa runs on the oil patch. The work-truck market — F-250s up through Class 7 — generates a steady stream of heavy-duty repair, suspension, transmission, and DOT-inspection work that doesn't slow with the seasons. Add passenger collision from icy I-44 winters and hail-season body work, and the shops keeping up with demand are running flat out most of the year.

The cash flow problem is universal regardless of mix: customers and fleet accounts pay net-30 or worse, parts COD bills clear weekly, and the next big job needs $5K-$15K in materials before the wheels start turning.

Where MCA fits

A merchant cash advance is the purchase of a slice of future deposits at a factor rate between 1.15 and 1.45. Repayment is a small daily or weekly ACH debit until the obligation is met. No balloon, no prepayment penalty.

For a shop running on fleet accounts and insurance pay, the value is bridging timing. Capital lands in 24 to 48 hours. You take the next vehicle in, order the part, fund the labor — all without waiting for the prior job to settle.

Real numbers for Tulsa shops

A general repair shop pulling $70K to $120K/month in deposits typically qualifies for $40K to $80K. Factor 1.25 to 1.35, six to nine month repayment.

A heavy-duty truck shop with $200K+/month in deposits — common for shops with even a single fleet account — can step into $150K to $300K positions at tighter factors (1.20 to 1.30). Common use: tooling up for a new fleet contract, or funding a satellite location closer to a refining or pipeline customer.

Why credit isn't the gate

Auto and truck shop owners get hit hard by FICO. Equipment loans, lift financing, parts accounts — the score gets sliced and never quite recovers. MCAs underwrite on deposits and business consistency.

Five hundred FICO floor, six months in business, $10K+/month in deposits. We're not in the bad-credit-only business, and we won't fund a shop that's already stacked. But if your shop is running profitably and the bureau number doesn't reflect that, deposit history opens the door.

Why Commera

Commera is a broker. Your file goes across a panel of MCA funders and we bring back the strongest offer instead of locking you into one quote. Factor spread between funders on the same file can run 15 to 20 points. On a $100K advance, that's a real $15K to $20K difference in total payback.

We don't charge applicants. If your numbers fit better as equipment financing for a frame machine, or AR financing against fleet receivables, we'll route you that way.

What you'll need to apply

• Three months of business bank statements (PDFs from the bank's portal — not screenshots)
• Driver's license, front and back
• Voided business check from the operating account
• EIN (sole proprietors enter SSN where prompted)

About 5 minutes for pre-qual. Full underwriting takes another 6 minutes after that.