Get capital for your shop without the bank runaround — Auto Repair Financing
Equipment loans, working capital, and expansion funding for independent auto repair shops. Soft inquiry, fast approval.
No credit hit. See rates in minutes.
- Equipment financing
- Working capital
- SBA 7(a) loans
- Line of credit
- Mechanic shop loans
- Inventory financing
- Expansion funding
- Term loan
Auto repair shop financing and equipment loans
Financing options matched to your situation, in one place.
- EQUIPMENT Lifts, diagnostics, tools Finance new or used shop equipment at fixed rates. Lender holds the equipment as collateral.
- WORKING CAPITAL Cash for payroll and parts 30 to 90 day cash advance to cover labor, inventory, and overhead gaps between jobs.
- EXPANSION New bay, new location SBA loans and term loans up to $350K for build-out, staff, or second location.
- LINE OF CREDIT Draw what you need, when you need it Revolving credit line for seasonal swings and unexpected repair backstock orders.
- $5K–$350K Typical funding range
- 24–72 hrs Funding after approval
- 1 soft pull No impact to credit score
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Lenders who know the trade
- Our partners have financed hundreds of auto repair shops and understand seasonal cash flow.
- Equipment financing includes purchase and refinance of existing lifts, compressors, and diagnostic machines.
No credit score penalty
- Soft inquiry only. Your credit file is not pulled until you accept a lender's term sheet.
- You can see multiple offers from different lenders without affecting your score.
Speed and transparency
- See rate ranges and terms before you commit. No surprise fees or bait-and-switch.
- Most approvals within 48 hours for well-qualified repair shop owners with 2+ years in business.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
New shop, no track record
Traditional banks want 3 years of tax returns and profit history. A shop under 2 years old gets rejected outright.
Seasonal revenue dips
Banks see a down quarter and assume the shop is failing, even though winter downturns are normal in the repair business.
Personal credit under 650
Conventional SBA loans require a 680+ personal credit score. One missed payment or high utilization tanks the application.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Transmission specialist, 1 location
New computerized transmission scanner and software license, plus 3 months of working capital for slow spring quarter.
Collision and mechanical shop, 4 bays
Two 14,000-lb lifts, spray booth upgrade, and parts inventory credit line to support 40% projected growth.
Shop manager, franchise-owned
Payroll bridge and emergency parts funding during August–September off-season and insurance claim backlog.
Owner-operator opening second location
Lease deposit, build-out, four-post lifts, compressor, diagnostic racks, and 6 months of operating reserve.
Auto repair business guides and resources
We publish guides on shop profitability, equipment ROI calculators, and state-by-state SBA loan requirements. Bookmark our resource center for quarterly tips on cash flow and seasonal hiring.