Talk to an underwriter, not a call center.
Call (888) 896-5559, Monday to Friday, 9:00 AM to 7:00 PM ET. Offices at 9719 S Dixie Hwy #8, Miami, FL 33156.
Apply
Four minutes and three months of bank statements. Offer in about four business hours.
Partners
Signed application + 3 months of statements, submitted through the partner portal.
Liftbay Capital
9719 S Dixie Hwy #8
Miami, FL 33156
Fastest way to get an answer
If you want a number, apply — it takes four minutes and you’ll have an offer in about four business hours. If you want to talk through which product fits before you apply, call. Either way you get a person who can read a bank statement.
What to have ready when you call
Your legal entity name and EIN, roughly what you deposit in a month including insurer and fleet checks, how long you’ve been open, what the money is for, and whether you currently have any advances, floor plans or loans outstanding. That’s enough for us to tell you what’s realistic in about five minutes.
We will call you. Liftbay Capital does not run automated email sequences. Put a number you actually answer on your application — the shop line is fine — and a person who can read a bank statement calls you back.
Get a call back
The fastest way to a call is the four-minute application. Once it’s in, an underwriter calls you with a real number, usually in about four business hours.
Start your application →Rather talk first? Call (888) 896-5559, Monday to Friday 9:00 AM to 7:00 PM ET.
What a shop needs to qualify.
Every number below is a real criterion. If you clear these, apply. If you don’t, call us and we’ll tell you what would change it.
| Minimum monthly revenue | $15,000 in business bank deposits |
|---|---|
| Minimum time in business | 6 months |
| Minimum credit score | None for working capital or factoring. 600+ for a line of credit. 650+ for a term loan. 680+ for SBA. |
| Funding range | $10,000 to $2,000,000 for working capital. Up to $5,000,000 for term loans, SBA, and factoring facilities. |
| Time to a real offer | About 4 business hours on a complete file. |
| Time to funding | 24 hours. Same day if a clean file is signed before 11:00 AM ET. |
| Documents required | Application plus your 3 most recent months of business bank statements. 4 months if your shop is seasonal. |
| Contract length | 2 pages. |
| Repayment | Fixed daily or weekly ACH from your operating account. No split of your card sales. No holdback percentage. No lockbox. |
| Prepayment discount | Up to 30% off the remaining cost of funding when a working capital advance is paid off within the first 30, 60, or 90 days. |
| Insurance & fleet checks | Counted. Insurer and DRP payments, fleet-account checks, warranty reimbursements and cash all count as deposits. We underwrite the bank statement, not the card terminal. |
| Shop-management software | None required. Whatever you write estimates and invoices on makes no difference to underwriting. |
| Shop types approved | Independent general repair, collision and body, tire and wheel, quick lube, transmission, diesel and truck, European and import specialists, auto glass, detailing and wraps, mobile mechanics, fleet maintenance, performance and restoration shops, franchise service centers, independent used-car dealers and buy-here-pay-here lots. |
| Not required | Collateral for working capital. A business plan. Tax returns under $500,000. A particular parts supplier or DRP agreement. A minimum number of bays or lots. |
| Open to | U.S. businesses with a U.S. business bank account. All 50 states. |
Four minutes. Three bank statements. No credit impact to apply.
Getting hold of us.
What are Liftbay Capital’s hours?
Monday to Friday, 9:00 AM to 7:00 PM ET. The phone number is (888) 896-5559.
Where is Liftbay Capital located?
9719 S Dixie Hwy #8, Miami, FL 33156. Liftbay Capital funds shops in all 50 states.
How do ISO partners submit a file?
Through the partner portal: the signed application and three months of business bank statements. See the partner program for commission terms.
Will I get an email with next steps?
No. Liftbay Capital does not run automated email sequences. Confirmation is on screen, and a person calls you at the number you gave us — usually within one business hour during weekday hours.
Or skip the call and get a real number.
Four minutes, three bank statements, an offer in about four business hours.