855-Q-CUMBERFund the shop while the insurance check is in the mail
Three cars are up on lifts waiting on parts you have to pay for up front. The insurance company will pay for the collision job, eventually. Meanwhile your techs want their checks and the frame machine needs a repair.
That's the gap we fund. Cucumber Capital buys a share of your shop's future receipts and sends you the money up front, anywhere from $10,000 to $3,000,000. Apply in a few minutes, a real underwriter reviews your cash flow the same day, and once you're approved the funds hit your account within hours.
We fund auto repair shops, collision and body shops, tire and transmission shops, detailers and auto parts stores.
What shops use it for
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Parts and paint up front
Order what the job needs today instead of waiting for the last check to clear.
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Equipment
A new lift, frame machine, paint booth or the scan tools newer cars need.
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Payroll for your techs
Keep good technicians paid while insurance payments catch up.
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Another bay or location
Add capacity when the work is already lining up at the door.
Recently funded
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$100,000
A family-owned body shop in New York, in business since the 1950s. Funded the next day.
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$35,000
An auto repair shop in Utah. Funded the next day.
Amounts are before fees. Every business gets its own offer and timeline.
SHOP QUESTIONS
We wait weeks on insurance payments for collision work. Can you help?
Yes. That gap is exactly what we fund. We look at the deposits coming into your shop over the last few months, insurance payments included, and fund against your future receipts.
Can I use the funds for equipment?
Yes. Funds can go to any business purpose, including lifts, frame machines, paint booths and diagnostic tools.
What if business slows down after I'm funded?
Your agreement includes a reconciliation process. If your revenue drops, you can ask us to review it and adjust your remittances to match. Call 855-Q-CUMBER or email [email protected].
How is this different from a bank?
A merchant cash advance is not a loan. It's the sale of part of your future revenue, so there is no interest rate and no fixed term. We look at your whole business, especially its cash flow, which is why we can review your file the same day instead of making you wait weeks.
Still have a question? Call 855-Q-CUMBER or send us a message.
Get a quote in minutes
Same-day review. Funds within hours of approval.
More industries we fund: Construction & contractors · Restaurants & bars · Medical, dental & healthcare · Trucking & transportation · Retail & ecommerce · Real estate · Manufacturing & wholesale · Staffing agencies · Salons, spas & barbershops. See everyone we serve.