Cash advances for UK MOT garages.
For MOT centres, independent garages, and servicing bays. Funded against your card takings, MOT, servicing, repairs, tyres, parts. Built for operators running busy bays with high card turnover.
What MCA means for an MOT centre or garage.
Independent garages have become strongly card-paid over the past decade. Customers pay at pickup, MOT, service, repair bills, tyres, parts. Card takings are consistent, with strong daily flow and manageable average ticket (£80 to £800). MCA fits this pattern well. Uses: diagnostic equipment upgrades, lift or ramp replacement, tyre bay expansion, MOT bay addition, workshop kit modernisation, apprentice tooling, customer handling tech (online booking, digital health checks).
Sound familiar?
Diagnostic kit upgrade, modern scan tools, OEM-level access.
£8k to £30k for up-to-date diagnostic capability across mainstream manufacturers. Unlocks modern car work previously impossible.
MCA funds the upgrade. Asset finance also worth comparing, named kit often cheaper on asset finance. Hybrid sometimes optimal.
Additional lift / ramp to increase capacity.
£8k to £20k per lift installed. Additional bay means more cars processed per day.
Asset finance usually wins on cost for the lift itself. MCA for the associated working capital (fit-out, tooling, apprentice onboarding around capacity expansion).
MOT bay addition, equipment, inspection, VTS registration.
£15k to £40k to add a fully commissioned MOT bay including rolling road, brake tester, emissions equipment.
Mixed MCA + asset finance approach usually wins. MOT takings directly contribute to MCA repayment once the bay is live.
Here's what it actually costs.
An independent 3-bay garage borrows £18,000 for diagnostic kit and tyre bay expansion. Monthly card takings: £38,000. £18,000. Average monthly card takings £38,000. Fixed cost 1.23. 11% daily repayment % on card sales, total cost £4,140.
These figures are illustrative. If a term loan or asset finance fits your situation better, we'll tell you.
Open the fixed cost calculator →Work out the real cost.
New businesses typically start at a higher daily % and a shorter term.
Illustrative only, not a quote.
- Advance£18,000
- vs card takings47%
- Fixed cost1.23
- Daily repayment£137
- Avg monthly£4,180
- Est. term5.3 months
Illustrative. The fixed cost is set on day one; daily repayment varies with takings. Term capped at 18 months.
Illustrative only, not a quote. Every figure here is subject to the funder. Funders advance anywhere from 100% up to 150% of monthly card takings, so 150% is not guaranteed, and the fixed cost is not guaranteed either. Your actual advance, fixed cost and terms depend on the funder and your business profile.
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Apply with these numbersOperators we've helped.
£15,000 funded diagnostic upgrade and apprentice tooling, repaid in 5 months.
Illustrative composite. Three-bay garage plus MOT, £35k/mo card takings. MCA at 1.22 factor, 11% daily repayment. New diagnostic kit live within three weeks, three additional modern cars per week processed, workshop throughput lifted 15%. Advance repaid on schedule.
Illustrative composite scenarioMOT centres & garages, quick answers.
Yes, generally strong fit. Consistent card flow, essential-service category, recurring customer base, stable trading. Fixed costs typically 1.20 to 1.28.
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