1stMILE

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.

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

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

• Automotive financing
• Vehicle protection plans
• Shop loyalty programs
• Auto repair payments
• Consumer credit cards

Headquarters

HQ city

Redmond

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Marketing or Sales, Personnel, Operations, Others

Revenue model

1. 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.
2. 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.
3. 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

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core 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.

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• AllstatecoreStrategic or Co-development Partner1stMILE 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.
• MastercardcoreStrategic or Co-development Partner1stMILE 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 MissouricoreOthersThe 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.minorOthers1stMILE, 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.minorOthers1stMILE, 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

Emerging 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

• Xtwitter.com/1stMILECar
• Facebookfacebook.com/1stMILECar
• LinkedInlinkedin.com/company/1st-mile

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 1stMILE