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.