Send us the auto shop files everyone else declines.
Liftbay Capital is a direct funding source for the independent automotive trade. If you broker merchant cash advances or SBA, we are the desk you send repair, collision, tire and dealer paper to — including the used-car lots, buy-here-pay-here dealers and tow operators most of your funders decline by industry code, and the collision shops whose revenue is mostly insurer checks. 10–15% on funded working capital, paid within 2 business days.
What the program pays.
Partner program — terms
- Commission
- 10% – 15% on funded working capital, paid on funding
- LOC, factoring
- Commission disclosed per file at offer
- Term loan and SBA
- Fee schedule disclosed on the term sheet
- Payout
- Within 2 business days of the merchant funding
- File minimum
- None
- Exclusivity
- None
- Submission
- Partner portal
- Offer turnaround
- About 4 business hours on a complete submission, weekdays
- Decline turnaround
- Same day, with the actual reason — not “credit”
- Renewals
- Commission paid on renewals for 24 months on files you originated
- What we need
- Signed application + 3 months of business bank statements (4 if the shop is seasonal)
What we say yes to that your other funders say no to
- Independent used-car dealers and buy-here-pay-here lots
- Towing and recovery operators
- Collision and glass shops paid mostly by insurers — we underwrite bank deposits, not processor volume
- Seasonal files with a soft January and February
- Files with three or fewer NSFs in 90 days
- Shops with an open position, where a consolidation or re-term is the right structure
What we won’t do
We won’t stack you. If a shop you sent us comes back directly, the file stays yours for 24 months and the renewal commission is yours.
We won’t shop your merchant to a panel behind your back on products we fund in-house.
We won’t run outbound marketing to your merchant list. Liftbay does not run automated email sequences to merchants at all.
How submission works
- Send the signed application and three months of statements. Four months if the shop is seasonal. Upload it through your partner portal.
- Our underwriting desk reads it. You get an offer or a real decline reason the same day — about 4 business hours on a complete file.
- The merchant signs two pages. Funding in 24 hours. A clean file signed before 11:00 AM ET generally funds the same day.
- You’re paid within two business days of funding. Renewal commission runs 24 months on files you originated.
Attribution. Every partner-sourced link carries that partner’s own EF-XXXXXX referral code. The portal issues the code and the site templates it into the link, so a file submitted through your link is credited to you automatically. Never send a funnel link without your code on it.
Partner program questions.
What commission does Liftbay pay an ISO?
10% to 15% on funded working capital, paid within 2 business days of the merchant funding. Commission on lines of credit and factoring is disclosed per file at offer. Term loan and SBA fee schedules are disclosed on the term sheet.
Is there a file minimum or an exclusivity requirement?
No to both. There is no monthly file minimum and no exclusivity. Send one file a quarter or forty a month.
How long do I keep a merchant I originated?
24 months. If a shop you sent us comes back directly, the file stays yours and the renewal commission is yours for 24 months from the original funding.
What automotive files will you take that others decline?
Independent used-car dealers and buy-here-pay-here lots; towing and recovery operators; collision and glass shops whose revenue is mostly insurer checks, because we underwrite bank deposits rather than processor volume; seasonal files with a soft January and February; files with three or fewer NSFs in 90 days; and shops with an open position where a consolidation or re-term is the right structure.
How fast is a decision on a submitted file?
About 4 business hours on a complete submission during weekdays. Declines come back the same day with the actual reason, not “credit.”
What do you need from me to submit?
A signed application and the shop’s 3 most recent months of business bank statements — 4 months if the shop is seasonal. Submit through the partner portal.
Become a partner.
No file minimum, no exclusivity, same-day decline reasons, and 10–15% on funded working capital paid within two business days.
Already a partner? Submit a file through your portal link.