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Automotive

Financing built for how Automotive businesses grow

Shift your automotive business into top gear
Funding up to
$1M
Application time
5 min
Funding as fast as
6 hrs
Businesses Supported
15,000+
Featured in
Operational growth

Financing for small businesses in the Automotive industry

Better than standard automotive business loans, Merchant Growth’s auto financing solutions offer additional flexibility. Our versatile financial tools will help you make strategic decisions that prioritize your business’s growth. Retail businesses in the automotive sector – ranging from auto dealers to vehicle repair and aftermarket equipment providers are ideal candidates for our financing options. 

Whether you need to boost your tire inventory for the winter sales spike, train staff on how to repair electric vehicles, or develop a new ad campaign, Merchant Growth is here to help with flexible financing solutions and competitive interest rates, quick access to funds, and repayments made daily or weekly.

Common needs

How Can a Automotive Business Use the Funding?

Merchant Growth works with a large number of businesses in the automotive sector and has a deep understanding of the particular needs of the industry. If you own a car dealership or provide automotive industry services, our automotive business financing options are built with your unique needs in mind.

The automotive sector faces significant seasonal variation, which can make it difficult to maintain positive cash flow throughout the year. At Merchant Growth, our Term Financing or Line of Credit, whether used for inventory, vehicle financing or to invest in future growth, can help your auto business meet short-term needs as well as work towards long-term goals. Our customers use our capital to finance a number of different initiatives, including:

  • Increasing inventory for busy seasons
  • Creating advertising or promoting a new service
  • Hiring new staff
  • Getting new equipment
How it works

Funding made simple

Apply in minutes online or over the phone
A short application — about five minutes. No long forms or branch visits.
We'll help you find the right financing solution
A real person works with you to match the structure to your business goals.
Access funding in as little as 6 hours
Once approved, funds are deposited so you can move on what's next.
Trusted by operators

Trusted by Canadian businesses moving fast

2.1×
Inventory ahead of Black Friday
"Merchant Growth has provided us with an opportunity to expand our business more rapidly than we otherwise might have been able to and allowed us to keep our personal funds freed up for other purposes."


Jim Southam
President & CEO – Prairie Cannabis Ltd.
+47%
Q4 revenue vs. previous year
"We approached Merchant Growth and very quickly we were able to establish our financial health and they agreed to provide us the necessary capital to grow our business. They were able to see the opportunity that we were seeing that traditional banks would not fund"
Samim Aminzadah
Owner - Blowers Grafton
6 hrs
From approval to deposit
"On behalf of all of us at Urban Concierge Services I want to extend my thanks for the loans you have provided us. Having access to these funds provided us a financial platform to grow our clientele, refine our operations, and adapt to our rapidly changing industry."
Christopher Gunn
Founder of Urban Concierge Services
Eligibility Check

See your business funding options

Answer a few quick questions to check your eligibility. No impact on your credit score.
Eligibility Calculator

Soft check only — no impact on your credit score.

Secure application
No obligation
Fast review process
Trusted by Canadian businesses
Merchant Growth Ltd. is a registered Canadian financial services provider. Eligibility is not a guarantee of funding; final offers depend on business performance.
Merchant Growth Ecosystem

A complete system for the way you actually grow.

From funding to tools to insights — everything works together to support your next step.
“Merchant Growth wasn't just a lender, they were a partner. We secured $150k in less than 48 hours, allowing us to triple our inventory before the holiday season.”
Emma Marchetti
Founder · DTC apparel
Ready to unlock
your growth?
Apply in 2 minutes

Ready to unlock
your growth?

Join thousands of merchants who chose smarter funding. Apply in minutes.
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FAQ

How do I apply?

Applying is quick and easy. The application takes less than 5 minutes to complete. Click the “Get Financing” button on our homepage to get started. We’ll ask for some basic information about you and your business, and securely connect to your business bank account to review your revenue.

Is there a fee to apply?

No. Applying is completely free, with no obligation. You’ll see all available options before making any commitments.

Do you do a credit check?

Yes. We conduct a soft credit inquiry on the business owner, which does not affect your credit score. We only perform a hard credit check if you decide to move forward with funding.

How do I know if I’m eligible for business financing?

To qualify, your business must:

  • Be located in Canada
  • Have been operating for more than 6 months
  • Generate at least $10,000 in monthly revenue
How long does it take to process my application?

On average, applications are processed within 6–24 hours.

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