Industry Funding — Auto Repair
Auto Repair Shop Loans — Capital That Moves as Fast as Your Bays
Parts come out of your pocket before the customer pays. Insurance claims take weeks. Equipment breaks without warning. We help independent shops close the gap.
Year-Round
Consistent Demand
24–48 hrs
Funding Speed
$15K–$250K
Typical Range
The Real Problem
Why Independent Auto Shops Are Always Running Behind on Cash
Parts Come Out of Your Pocket Before the Customer Pays
You're ordering parts, paying technicians, and finishing the job before a single invoice clears. On a busy week with multiple jobs in the air, that cash gap compounds fast.
Insurance Claims Create a 30–60 Day Cash Hole
When you do collision or insurance work, payment from the insurer takes weeks. You've already paid for parts and labor — now you're waiting on an adjuster to cut a check.
A Lift or Diagnostic System Down Means Revenue Down
If a lift goes out or your scan tool needs replacement, you can't service cars. Emergency equipment repairs happen with no warning and can cost $5,000–$30,000 on the spot.
Funding Options
Products Built for the Way Auto Shops Actually Operate
ACH Funding
A lump sum based on your shop's monthly revenue, repaid via daily ACH debits. No collateral required. Covers parts inventory, payroll, and the gap between finishing jobs and getting paid.
Learn More →Equipment Financing
Finance new lifts, alignment machines, diagnostic equipment, and shop tools with the equipment as collateral. Add capacity without depleting working capital.
Learn More →Line of Credit
Revolving access for ongoing parts and supply costs. Draw when a big job comes in, pay it down when the invoice clears, draw again for the next one. Only pay on what you use.
Learn More →The Process
How It Works
01
Apply in 10 minutes
Basic business info and 3 months of bank statements. No tax returns required for most applicants.
02
Same-day decision
Most auto repair shops get a decision within a few hours of submitting.
03
Funded in 24–48 hours
Money hits your account fast enough to order parts, pay your tech, and keep the bays moving.
Ready to Apply?
Stop Floating Parts Costs While You Wait to Get Paid
Most auto repair shops are funded within 48 hours. Fill out the application and we’ll match you with the right lender for your situation.
Apply Now →Common Questions
Get Started
Your Bays Shouldn’t Sit Empty Because Cash Is Tied Up in Parts.
Apply in 10 minutes. Most auto repair shops get a decision the same day and funding within 48 hours.
Apply Now →