Capital That Keeps Your Shop Running Strong
Auto repair shops need to invest in equipment, stock parts, and serve customers quickly. We provide funding that helps you stay competitive with modern tools and well-stocked inventory.
How much funding do you need?
Drag the slider or type an amount
Applying is free and won't impact your credit score
From Application to Funding at Shop Speed
Share your shop type, services offered, and what you need funding for. We understand the automotive repair industry.
We assess your business with knowledge of shop economics, service revenue patterns, and parts inventory cycles.
Review multiple funding offers with different structures. Pick what aligns with your shop's cash flow.
Funds arrive quickly—often within 24-48 hours. Order equipment, stock parts, or expand your bays.
Why Auto Repair Shop Owners Choose Us
We Understand Shop Economics
Labor rates, parts markup, and service mix create unique revenue patterns. We evaluate your business the way it should be evaluated.
Equipment That Keeps Bays Productive
Lifts, diagnostic scanners, alignment machines, and specialty tools are essential. Our equipment financing keeps your shop competitive.
Parts Inventory Support
Keeping enough parts in stock to serve customers quickly requires capital. Our working capital helps you maintain inventory levels.
All Automotive Services Welcome
General repair, specialty shops, tire centers, body shops, oil change services, detailing—we fund the full automotive spectrum.
Technician Investment
Finding and keeping skilled technicians requires competitive wages. Working capital supports your team building efforts.
Fast Decisions for Fast Industry
Equipment failures and opportunities do not wait. Our speed matches the urgency of automotive repair.
Funding Built for Auto Shop Realities
Whether you need to upgrade diagnostic equipment, expand your shop, or stock up on parts inventory, we have funding solutions designed for automotive businesses.
Auto repair shops face unique financial demands. Equipment technology keeps advancing. Parts inventory ties up cash. Competition from dealerships and chains never stops. We have spent years learning the automotive industry so we can provide capital that helps independent shops stay competitive and profitable.
Auto Repair Business Funding Overview
We offer multiple products to address different shop needs. Some owners need equipment financing for major upgrades. Others need working capital for parts and payroll. Many use a combination as their shop grows.
Most auto repair shops qualify for multiple products. Your funding advisor will help compare options and recommend the best approach.
Financing Options for Auto Repair Shops
Different shop needs call for different solutions. Here are the products automotive businesses use most frequently.
How Credit Affects Auto Shop Financing
Your personal credit score is one factor, but not everything. We evaluate the complete picture: shop revenue, service volume, customer base, and overall business performance.
Good News
Auto repair shop owners with credit scores in the 500s regularly qualify for funding when they demonstrate solid service revenue and healthy customer flow. Your shop performance tells the story.
Strong Credit Profile
Access to lowest rates, longest terms, highest amounts
Challenged Credit
Multiple options available based on shop performance
Auto Repair Industry Funding Insights
$300B+
annual US auto repair industry revenue. Growing vehicle complexity creates ongoing demand for well-equipped independent shops.
(Source: IBIS World)
$50K+
average equipment investment for a modern repair bay. Our financing helps shops invest in productivity without depleting working capital.
(Source: Automotive Service Association)
70%
of independent auto shops use external financing for equipment or growth. Capital is a normal part of shop operations.
(Source: Auto Care Association)
Evaluating Auto Shop Financing
Upgrade diagnostic and repair equipment
Stock parts inventory for faster service
Expand shop capacity with additional bays
Hire and retain skilled technicians
Open additional locations
Build credit history for better future terms
Financing costs reduce overall margin
Some products require frequent payments
Personal guarantees may be required
Fast funding options typically cost more
Compare Auto Shop Funding Options
| Loan Type | Max Amount | Rates | Speed |
|---|---|---|---|
| Equipment Financing | $10K to $300K | 6% to 18% APR | 3 to 7 days |
| Merchant Cash Advance | $10K to $250K | Factor 1.1 to 1.5 | 24 to 48 hours |
| Working Capital Loan | $10K to $250K | 1% to 3% monthly | 24 to 48 hours |
| Business Line of Credit | $10K to $150K | 1% to 3% monthly | 1 to 3 days |
| Business Term Loan | $25K to $500K | 8% to 20% APR | 3 to 7 days |
Auto Repair Shop Qualification Requirements
$10K+
Monthly Revenue
500+
Credit Score
6+ months
Time in Business
Get Funding for Your Auto Repair Shop
Apply today and receive funding decisions quickly. Our team understands automotive financing and shop business needs.
Start Your Application
Complete a short application about your shop, including your services, monthly revenue, and funding needs.
Upload recent bank statements and basic business information. We review them with an understanding of auto shop revenue patterns.
Review your offers, choose the best fit, and receive funds. Most auto repair shops get funded within 24 to 48 hours.
Auto Shop Funding Products
Explore specific financing options available for your auto repair shop.
Related Industries We Fund
We also specialize in financing for these related industries.
Auto Repair Shop Financing Questions
We fund general repair shops, specialty shops, tire centers, body shops, collision repair, oil change services, auto detailing, and dealership service departments.
Yes, we can finance lifts, diagnostic equipment, alignment machines, paint booths, and any equipment your shop needs.
We work with single-location shops and multi-location operations. Larger operations may qualify for higher funding amounts.
Absolutely. Working capital can be used for parts, supplies, and any inventory your shop needs to serve customers.
Yes, we work with both independent shops and franchise locations, though franchise owners may need franchisor approval for certain uses.
It matters, but shop performance often outweighs credit challenges. Strong service revenue and customer volume matter significantly.
Many shop owners receive funding the same day or next business day after approval. Equipment financing takes slightly longer.
Basic requirements include 3-6 months of bank statements, a valid ID, and proof of business ownership.
Ready to Upgrade Your Shop?
Whether you need equipment, parts inventory, or expansion capital, our team specializes in auto repair shop financing and understands your business needs.
How much funding do you need?
Drag the slider or type an amount
Applying is free and won't impact your credit score