October 9, 2025
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Top MCA Loan Lenders for Auto Repair Shops and Service Centres in the UK

Discover the best MCA loan lenders for auto repair shops and service centres in 2025. Learn how to secure fast, flexible funding to grow your business with ease.
Jesse Spence
Finance content writer / Market researcher

For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank prices accurate as of 2025-10-09.

1. Funding Agent

Funding Agent Funding Agent provides specialised MCA loans suited for auto repair shops, offering quick funding with flexible repayment options. It best serves SMEs seeking straightforward and speedy solutions for working capital. Here's what to know:

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: MCA
  • Industries: Auto Repair, Service Centres

Pros

  • Fast application process
  • High approval rates

Cons

  • Limited information on rates available

Sources: https://www.fundingagent.co.uk/financing-options/mca-loans-for-auto-repair-shops-and-service-centers

2. Clifton Private Finance

Clifton Private Finance Clifton Private Finance offers merchant cash advances suitable for a range of UK businesses. It provides quick access to working capital with options for flexible repayment structures. Here's what to know:

Loan Details

  • Min Amount: £50,000
  • Max Amount: £25,000,000
  • Min APR: 7%
  • Max APR: 20%
  • Loan Duration: 3–72 months⌛

Services & Industries

  • Finance Types: Merchant Cash Advance
  • Industries: Retail, Hospitality, Auto Repair

Pros

  • Flexible funding options
  • Simple application process

Cons

  • APR can vary broadly depending on the risk

Sources: https://www.cliftonpf.co.uk/merchant-cash-advance/

3. Millbrook Business Finance

Millbrook Business Finance Millbrook offers tailored financial products for retail and service sectors, focusing on quick funding with flexible terms. It caters to SMEs requiring adaptable working capital solutions. Here's what to know:

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 10.9%
  • Max APR: 0%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Merchant Cash Advance
  • Industries: Retail, Service Businesses

Pros

  • Strong industry presence
  • Flexible financial solutions

Cons

  • APR information less transparent

Sources: https://www.millbrookbusinessfinance.com/finance-solutions/merchant-cash-advance

4. Portman Finance Group

Portman Finance Group This provider specialises in cash advances predominantly repaid as a percentage of card transactions. It offers quick access to funding for SMEs with flexible repayment structures aligned to cash flow. Here's what to know:

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 5%
  • Max APR: 30%
  • Loan Duration: Up to 6 years⌛

Services & Industries

  • Finance Types: Merchant Cash Advance, Business Loans
  • Industries: Various SMEs

Pros

  • High flexibility
  • Transparent cost structure

Cons

  • Rates may be high depending on circumstances

Sources: https://portmanfinancegroup.co.uk/merchant-cash-advance/

5. Capalona

Capalona Capalona provides diverse business funding options, including MCAs, for various sectors. It delivers quick funding with no hidden fees, suitable for SMEs needing adaptable solutions. Here's what to know:

Loan Details

  • Min Amount: £1,000
  • Max Amount: £10,000,000
  • Min APR: 6%
  • Max APR: 15%
  • Loan Duration: Variable⌛

Services & Industries

  • Finance Types: Merchant Cash Advance, Business Loans
  • Industries: Auto Repair, Salons, E-commerce

Pros

  • Wide range of lender options
  • Transparent process

Cons

  • Interest rates can vary significantly

Sources: https://www.capalona.co.uk/

6. Tower Leasing

Tower Leasing Tower Leasing offers quick access to merchant cash advances based on card sales. It is suitable for businesses with high acceptance rates and need for flexible terms. Here's what to know:

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Merchant Cash Advance
  • Industries: Retail, Service, Auto Repair

Pros

  • High acceptance rates
  • Quick approvals

Cons

  • Lack of detailed financial information online

Sources: https://www.towerleasing.co.uk/merchant-cash-advance/

7. YouLend

YouLend YouLend offers flexible funding solutions that integrate easily into card or e-commerce platforms. It provides rapid approval rates and adapts to various business needs. Here's what to know:

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 5%
  • Max APR: 18%
  • Loan Duration: Up to 24 months⌛

Services & Industries

  • Finance Types: Merchant Cash Advance, Revenue-based Finance
  • Industries: SMEs

Pros

  • High approval rates
  • Seamless repayment integration

Cons

  • Higher cost of capital than banks

Sources: https://www.youlend.co.uk/

8. Liberis UK

Liberis UK Liberis offers merchant cash advances designed for quick funding and easy access for SMEs. It provides flexible repayment options based on business revenue without collateral. Here's what to know:

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Merchant Cash Advance
  • Industries: Various UK SMEs

Pros

  • Fast funding
  • Simple application

Cons

  • Limited transparency in APR rates

Sources: https://liberis.co.uk/

9. Nucleus Commercial Finance

Nucleus Commercial Finance Nucleus offers a range of funding including unsecured loans and business finance. It caters to SMEs seeking flexible, quick access to capital with options for secured or unsecured borrowing. Here's what to know:

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 5%
  • Max APR: 0%
  • Loan Duration: 3 months to 6 years⌛

Services & Industries

  • Finance Types: Unsecured Loans, Business Loans
  • Industries: SMEs

Pros

  • Competitive rates
  • Flexible terms

Cons

  • APR may increase with risk

Sources: https://www.nucleuscommercialfinance.com/

10. Love Finance

Love Finance Love Finance provides quick, flexible loans designed to improve cash flow. It is suitable for SMEs needing fast access to working capital with flexible repayment options. Here's what to know:

Loan Details

  • Min Amount: £0
  • Max Amount: £750,000
  • Min APR: 6.9%
  • Max APR: 0%
  • Loan Duration: Variable⌛

Services & Industries

  • Finance Types: Business Loans
  • Industries: Small Businesses

Pros

  • Fast funding within hours
  • Flexible interest options

Cons

  • Higher interest rates than traditional banks

Sources: https://www.lovefinance.co.uk/

How to choose

Match loan size and APR to your budget, check eligibility, and balance speed against flexibility. Consider how repayments fit your franchise cash flow and seasonality. Review lender criteria, fees, and early repayment terms before applying. For the best fit, evaluate if you prefer a broker for tailored options or a direct lender for speed. Sector specialists may offer more sector-specific terms and advice. Always compare multiple offers to find the most suitable financing solution for your needs.

Conclusion

Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. Other providers suit larger amounts, asset-backed needs, or sector specialisms. Always confirm current costs and terms with the lender; pricing may change. Matching your lender to your specific needs ensures better terms and a smoother application process. Understanding the differences between bank, broker, and specialist lenders can help you find the right financing route.

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