Capital tuned to how auto repair shops actually run.
- Add a bay, build a lift, or expand the shop footprint
- Buy equipment: alignment systems, scanners, lifts, frame benches
- Stock parts inventory for the season or for fleet contracts
- Refinance high-cost MCAs that crept in during a slow quarter
- Acquire a second shop or buy out a retiring partner
Products built for auto repair shops.
The shapes of capital most auto repair shops use, and why each one fits.
Term Loan
Equipment, bay buildouts, and expansion: fixed payments matched to the new revenue.
Learn more →Line of Credit
Smooth parts inventory and seasonal swings without depleting working cash.
Learn more →Revenue-Based Financing
Shops with strong daily ticket count but thin reserves often qualify when banks pass.
Learn more →SBA Loan
For larger expansions, second-location purchases, or property: the longest amortization available.
Learn more →“We bought a heavy-duty alignment rack to pick up commercial fleet work. $80K term loan, four-year amortization, and the rack paid the payment in the first month of fleet contracts.”
Three steps from application to funded.
Apply in 3 minutes
Soft credit pull only. Connect your bank or upload statements, no impact to your score.
Compare real offers
See every product your business qualifies for side-by-side. No estimates, no bait pricing.
Funded fast
Sign electronically and funds typically land in 24 to 48 hours of acceptance.
Auto Repair financing: common questions.
Do you finance independent shops or only franchisees?+
Both. Independent and franchised shops qualify equally. Underwriting is on the business, not the brand affiliation.
Can I finance specific equipment?+
Yes. Alignment systems, lifts, scanners, frame benches, and similar are commonly financed via term loan or dedicated equipment facility.
What about body shops and collision?+
Body shops and collision centers are well-supported. We have lender partners familiar with insurance-paid AR cycles and DRP programs.
I have an old MCA. Can I refinance?+
Frequently yes. A clean term loan or line of credit can consolidate one or more MCAs. We model net savings before you decide.
How fast can I get equipment funded?+
Typically 24 to 72 hours for term loans up to $250K. Larger or SBA-backed equipment financing takes longer but offers better terms.
Other industries we fund.
Ready to fund your company's future?
Three minutes to apply. Soft credit pull only. Real, comparable offers, not estimates.