Industries
Business Funding for Auto Repair & Dealerships
Lifts, diagnostics, floor inventory, and bay expansions — funded against steady service revenue.
- No upfront fees
- Soft credit pull
- All 50 states
Common Scenarios
Why auto repair businesses call us
Adding bays to clear a two-week backlog
Cars are waiting and the constraint is physical. A second alignment rack and two more lifts turn away less work — equipment financing for the hardware, working capital or a term loan for the concrete and the electrical.
Keeping up with newer vehicles
ADAS calibration rigs, TPMS tools, EV service equipment, and subscription scan platforms are the price of staying able to service what's actually on the road. Financing spreads them over the years they earn.
Floor inventory before a strong season
An independent dealer needs units on the lot before tax-refund season, not during it. Working capital buys inventory ahead of the demand curve rather than chasing it.
Funding That Fits
Which option usually fits — and why
Listed in the order they most often come up for this industry. Most files end up using one; some use two together.
Qualifying
What you'll need
- Six or more months open under current ownership
- Roughly $10,000+ per month in deposits
- A business bank account the shop's revenue runs through
- A dealer license if floor inventory is involved
- An equipment quote or invoice for equipment financing
- Lease or property detail if you're expanding the footprint
How Lenders Read It
Shops with fleet, warranty, or insurance work often wait 30 to 60 days on payment while parts and labor go out immediately — that gap is precisely what short-term working capital exists to cover. Retail-heavy shops with daily card volume tend to underwrite fastest.
See the full processFAQ
Questions from auto repair owners
I'm an independent used-car dealer. Do you do floor plan?
Dedicated floor plan lines are a specialized product and availability varies by state and by lender. Many dealers instead use working capital or a line of credit for inventory. Tell your advisor which you're after and they'll tell you straight what's reachable.
I'm a mobile mechanic without a shop. Can I qualify?
Yes, if the revenue is documented in a business account. Mobile operations are funded regularly for tools, a service van, or equipment. The lack of a physical bay matters less than the consistency of deposits.
Can I fund a lift and a parts order in the same file?
They're usually two products — the lift through equipment financing, the parts through working capital or a line. Your advisor can run both at once so you're not choosing between them or applying twice.
More questions? Read the full FAQ
Funding for your auto repair business.
One application, real offers to compare, and no fee unless your business is funded.