1stMILE
1stMILE is a B2B2C commerce platform serving the U.S. automotive repair industry, offering an integrated suite of financing (including an industry-first cash-back Mastercard), loyalty, and vehicle protection products through a network of 10,000+ partnered repair shops serving 15M+ drivers.
- Company typePrivate
- Founded1999
- HeadquartersRedmond, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What 1stMILE does
1stMILE is a privately held B2B2C commerce platform built specifically for the automotive repair industry, headquartered in Redmond, Washington, and operating since 1999. The company connects three constituencies — drivers, their vehicles, and independent automotive repair shops — through an integrated suite that combines a co-branded cash-back Mastercard, a no-monthly-fee shop loyalty program, and Allstate-powered vehicle protection products (roadside assistance and extended vehicle care). Its distribution runs through a network of 10,000+ partnered repair shops across the United States, where consumers can enroll at the point of sale, supplemented by a direct-to-consumer mobile app for shop discovery, rewards tracking, and Mastercard management.
The underlying technology is a mobile-first commerce platform integrated with shop point-of-sale systems, enabling real-time enrollment in financing, loyalty, and protection at checkout. The 1stMILE Mastercard, issued by The Bank of Missouri under a license from Mastercard International and supported by ISO/MSP relationships with BMO Harris Bank N.A. and Citizens Bank, N.A., provides the consumer credit instrument and interchange revenue engine. The company monetizes through a diversified set of revenue streams: Mastercard interchange fees on every transaction, partner shop fees, commissions on Allstate protection plan sales, and subscription revenue from Roadside 25/100 and Extended Vehicle Care plans. A wholly-owned subsidiary, 1STMILE BUY, LLC, supports the Buy Program as a separate operating entity.
1stMILE serves both individual drivers (the consumer side, addressing affordability of repairs and everyday cash-back rewards) and independent repair shops (the business side, addressing customer acquisition, retention, and competitive differentiation). Marketing runs through the company website, mobile app, social channels, SMS programs (including a text-to-apply flow), and in-shop POS materials. The company has not disclosed external funding, revenue figures, M&A activity, or a management team roster in the available source material.
1stMILE firmographics
Firmographics- Name
- 1stMILE
- Legal name
- 1stMILE, LLC
- Website
- https://1stmile.com
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- 1stMILE is a B2B2C commerce platform serving the U.S. automotive repair industry, offering an integrated suite of financing (including an industry-first cash-back Mastercard), loyalty, and vehicle protection products through a network of 10,000+ partnered repair shops serving 15M+ drivers.
- Ownership category
- akta.pro rank
1stMILE industry classification
Industry- Product category
- Automotive Commerce & Financing
- NAICS
- Sales Financing (52222)
- SIC
- Miscellaneous Business Credit Institution (6159), Services-Consumer Credit Reporting, Collection Agencies (7320), Retail-Auto Dealers & Gasoline Stations (5500)
- akta.pro primary industry
- Virtual / Digital-First Credit Cards (FSAKABAK)
- akta.pro secondary industry
- POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)
Keywords
Where 1stMILE is headquartered
LocationHeadquarters
- HQ city
- Redmond
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
1stMILE business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations, Others
Revenue model
- Credit Card Interchange Fees: 1stMILE earns interchange fees on all 1stMILE Mastercard transactions. The company specifically highlights low interchange rates for 1stMILE partner shops as a competitive differentiator. Revenue accrues from every card transaction across automotive and everyday purchases.
- Vehicle Protection Plans: Revenue is generated from the sale of Allstate Roadside Assistance plans (Roadside 25 and Roadside 100) and Extended Vehicle Care coverage. Partner shops earn commissions for each customer who signs up for protection services.
- Shop Partner Fees: Automotive shops pay fees to participate in the 1stMILE network, gaining access to financing solutions, loyalty programs, and protection offerings that help attract and retain customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | 1stMILE Mastercard with up to $10,000 credit limit |
| Subscription | Annual | Allstate Roadside 25 Plan - 25-mile towing coverage |
| Subscription | Annual | Allstate Roadside 100 Plan - 100-mile towing coverage |
| Subscription | Annual | Allstate Extended Vehicle Care - Coverage up to 125,000 miles |
| Freemium | Pay-as-you-go | 1stMILE Loyalty - No monthly fees for shops |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
1stMILE product offering
Product offeringCore offering
1stMILE operates a consumer-driven commerce platform for the automotive repair industry, combining financing, loyalty rewards, and vehicle protection in an integrated offering distributed through 10,000+ partnered automotive shops. The core products include the 1stMILE Mastercard (a cash-back credit card), a no-fee shop loyalty program, and Allstate-powered roadside assistance and extended vehicle care plans, all accessible through the 1stMILE mobile app.
Product overview
1stMILE is a consumer-driven commerce platform for the automotive industry that combines financing, rewards, and vehicle protection into an integrated ecosystem. The core offering includes the 1stMILE Mastercard (an industry-first cash-back credit card), 1stMILE Loyalty (a free loyalty program for shops), and 1stMILE Protect (Allstate-powered roadside assistance and extended vehicle care). The 1stMILE App serves as the mobile hub connecting drivers with over 10,000 automotive shop locations. The company operates as a Registered ISO/MSP of BMO Harris Bank N.A. and Citizens Bank, N.A., with the Mastercard issued by The Bank of Missouri.
Differentiator
Problem solved
Functional benefit
Products and services
- 1stMILE Mastercard An industry-first cash-back credit card offering 1% rewards on eligible purchases, with credit limits up to $10,000, zero fraud liability, and acceptance anywhere Mastercard is used. Issued by The Bank of Missouri for drivers and automotive consumers.
- 1stMILE Loyalty A loyalty program for automotive shops that enables customer rewards, exclusive promotions, and discounts at no monthly cost to shop owners. Customers can sign up at checkout and track rewards via the 1stMILE App.
- 1stMILE Protect Vehicle protection services offered in partnership with Allstate, including roadside assistance (Roadside 25 and Roadside 100 plans) and Extended Vehicle Care covering brake systems, steering, suspension, and powertrain for up to 125,000 miles.
- 1stMILE Financing Flexible financing options for automotive repairs, tire purchases, and vehicle maintenance, including the 1stMILE Mastercard and payment plans to make car ownership more affordable for drivers.
- Roadside 25 Plan Allstate Roadside Assistance plan offering 25-mile towing, jumpstart, tire change, fuel delivery, and lockout services with 3 events per term for 12 months.
- Roadside 100 Plan Allstate Roadside Assistance plan offering 100-mile towing, jumpstart, tire change, fuel delivery, and lockout services with 3 events per term for 12 months.
- Allstate Extended Vehicle Care Long-term vehicle protection service covering non-wear parts including brake systems, steering, suspension, and powertrain, with coverage up to 125,000 miles.
Companies that use 1stMILE
Customer profileSegments3 records
Ideal customer profiles3 records
1stMILE technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
1stMILE partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- Allstatecore1stMILE partners with Allstate to offer vehicle protection products including Roadside Assistance (Roadside 25 and Roadside 100 plans) and Extended Vehicle Care coverage. The partnership enables 1stMILE to provide affordable, convenient protection services that help drivers keep vehicles on the road. Partner shops can earn commissions for each customer who signs up for Allstate protection products through their location.
- Mastercardcore1stMILE partnered with Mastercard to introduce the 1stMILE Mastercard, an industry-first cash-back credit card designed for automotive consumers. The card offers 1% cash back on eligible purchases, credit limits up to $10,000, and is accepted anywhere Mastercard is used. The partnership enables 1stMILE to provide financing flexibility to drivers while creating a new revenue stream through interchange fees.
- The Bank of MissouricoreThe Bank of Missouri serves as the issuing bank for the 1stMILE Mastercard credit card, pursuant to license by Mastercard International. The bank handles the issuance and servicing of the credit card product.
- BMO Harris Bank N.A.minor1stMILE, LLC is a Registered ISO/MSP (Independent Sales Organization/Member Service Provider) of BMO Harris Bank N.A., Chicago, IL. This relationship enables 1stMILE to offer payment processing services.
- Citizens Bank, N.A.minor1stMILE, LLC is a Registered ISO/MSP (Independent Sales Organization/Member Service Provider) of Citizens Bank, N.A., Providence, RI. This relationship enables 1stMILE to offer payment processing services.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
1stMILE competitors and assessment
Company assessmentEmerging players
- Affirm: Affirm is a public BNPL lender expanding aggressively into auto repair and tire financing at the POS. Comparable product surface (pay-later) and increasingly overlapping merchant distribution in the auto vertical.
- Klarna: Klarna is a global BNPL leader expanding into vertical-specific merchant categories including auto. Comparable consumer-credit product with merchant-channel distribution, though currently at much earlier stage of automotive penetration than 1stMILE.
- ChargeAfter: ChargeAfter operates a multi-lender POS financing network that includes auto-related merchants, enabling shoppers to choose from multiple credit/BNPL options. Comparable in shop-side financing aggregation and POS integration model.
Broad incumbents
- Capital One Auto Finance: Capital One Auto Finance is a major auto-lending incumbent providing vehicle purchase and refinancing credit, with growing presence in dealer-integrated financing. Adjacent vertical with overlapping consumer credit economics and brand-distributed card products.
- Bread Financial: Bread Financial is a large public credit-card and private-label issuer serving merchants across categories including automotive. Relevant as a broad incumbent competing for the same auto-financing wallet share with scaled capital markets access.
Direct peers
- Westlake Financial: Westlake is a large subprime auto-finance provider extending indirect financing through dealer and service networks. Comparable to 1stMILE's auto-focused consumer credit product but operating at much larger scale.
- Sunbit: Sunbit provides point-of-sale financing for automotive service (tires, repairs, maintenance) via merchant-issued pay-over-time products. Highly comparable in B2B2C fintech-for-auto-shops distribution and direct integration with shop management systems.
- AutoFi: AutoFi powers online and in-dealership financing, payment, and F&I workflows for automotive retailers. Comparable fintech layer in the auto vertical with similar B2B merchant-channel model and payments integration.
- Snap Finance: Snap Finance underwrites lease-to-own and installment financing for tires, auto repair, and vehicle accessories at independent shops. Closely aligned with 1stMILE on merchant channel and consumer-credit underwriting for unplanned auto expenses.
- Synchrony (Car Care Network): Synchrony's Car Care branded credit card is the most direct competitor to the 1stMILE Mastercard: a network-branded private-label card used to finance auto repairs, tires, and maintenance at participating shops. Synchrony is much larger and longer-tenured but operates on the same B2B2C distribution thesis.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
1stMILE social profiles
Digital presence1stMILE financial estimates
Financial estimateRevenue estimate
Valuation estimate
1stMILE leadership team
Management profileNumber of profiles
1stMILE subsidiaries and ownership
Company hierarchySubsidiaries1 record
1stMILE funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
1stMILE M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about 1stMILE
What does 1stMILE do?
1stMILE operates a consumer-driven commerce platform for the automotive repair industry, combining financing, loyalty rewards, and vehicle protection in an integrated offering distributed through 10,000+ partnered automotive shops. The core products include the 1stMILE Mastercard (a cash-back credit card), a no-fee shop loyalty program, and Allstate-powered roadside assistance and extended vehicle care plans, all accessible through the 1stMILE mobile app.
Is 1stMILE a public or private company?
1stMILE is a private company. It is classified as unknown and is currently operating.
When was 1stMILE founded?
1stMILE was founded in 1999. It employs 101 to 250 people.
Where is 1stMILE based?
1stMILE is headquartered in Redmond, United States, in the North America region.
How does 1stMILE make money?
Three revenue lines are on record. Credit Card Interchange Fees are the primary driver. The others are vehicle Protection Plans and shop Partner Fees.
Who are 1stMILE's main competitors?
Emerging players on record are Affirm, Klarna and ChargeAfter. Broad incumbents are Capital One Auto Finance and Bread Financial. Direct peers are Westlake Financial, Sunbit, AutoFi, Snap Finance and Synchrony (Car Care Network).
Does 1stMILE have an API?
No public API is recorded for 1stMILE.
What industry is 1stMILE in?
1stMILE's product category is Automotive Commerce & Financing. Its primary akta.pro industry code is FSAKABAK, Virtual / Digital-First Credit Cards, with a secondary code of FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure. Its NAICS code is 52222 and its SIC code is 6159.