If you drive for Tower, read this before you sign anything else at Mission Road.

Your employer of record is Tower EV LLC, managed by Daniel Munoz. That's on your pay stub. What isn't on your pay stub is that the lot you park on is also the business address of a rent-to-own car company called CarToo, which rents cars by the week to rideshare drivers earning at least $700 a week, which is about what a full week at Tower pays. CarToo's manager is the president of a used-car and livery dealership in Queens, New York, whose weekly-payment leases to Uber drivers were documented by Quartz in 2017 (one driver: $495 a week for 159 weeks, with the car remotely disabled when he fell behind) and described by a federal judge in 2025 as a business that "only provides loans for the purchase of its own goods."

The public record does not say how that business and the Munoz brothers' business are connected financially. It does say they have shared companies since at least 2023, and share a depot today. Below is everything the filings show, with links to every source, and a plain list of what they don't show. If anyone at Mission Road offers you a weekly-payment car, read every page of the agreement before you sign it. Then send us a copy.

---

What the records show, in five lines

1. Two management chains, one address. At 3800 N. Mission Road, Tower Mobility, Tower WAV, and Tower EV are managed by the Munoz brothers. Tower LA and CarToo are managed by Ariel Tzur, president of Tower Auto Mall in Queens. The entities.
2. They have been on a filing together since 2023. A Florida company formed in May 2023, with Daniel Munoz as registered agent, listed Tower Auto Mall's CEO as a member, at the Queens dealership's address. It was dissolved a month later as "no longer viable economically"; a similarly named company with Andres Munoz as its only member took effect the day before. The 2023 Florida filings.
3. The Queens business is a subprime vehicle lender for Uber drivers. That's what Quartz reported in 2017 and what a federal court described in 2025. Tzur is the manager of the leasing company in the 2017 case, by his own sworn affidavit. The Queens business.
4. CarToo publishes no terms. No weekly rate, no term length, no buyout, no default policy. Everything is in a contract each driver signs. CarToo.
5. Tower began as an Uber wheelchair-van contractor in 2020. Uber's own regulatory filings document the contract (October 2020) and the launch (December 2020). The business predates the Florida venture, so the brothers did not first enter an established Tower in 2023; whether any ownership changed hands that year is not in the record. Origins.

What the records don't show

Who owns what. Managers, members, and registered agents are not an ownership ledger, and no filing we reviewed states a percentage. Whether a Queens entity finances Tower's fleet. Which company holds the lending license a Tower Group executive says she obtained. What a CarToo contract says. Who or what "Spectrum.ai LLC," the member that AVMobility's Florida filing originally listed, actually is. And anything that connects any of this to the Miami address. The full list, kept current.

Related: Andres Munoz Doesn't Want You Driving His Cars · Tower's Miami Paper Trail · Fleet Watch