Funding for auto repair and service shops.
Buy parts in bulk, add a bay, or upgrade diagnostic gear — with a line you can tap as work comes in. Serving auto shops nationwide.
We know how shops really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
How each option works
The programs our lending partners actually offer businesses like yours. Not sure which one? Check your options and we'll match the structure to the deal.
Equipment Financing
Get the equipment. Keep your cash.
See terms & details →Working Capital Loan
Money for payroll, stock, and the slow months.
See terms & details →Business Line of Credit
Draw what you need, when you need it.
See terms & details →SBA 7(a) Loan
The most flexible SBA loan there is.
See terms & details →Want the full picture first? Get a free Capital Position Report — where your business stands and what it likely qualifies for.
The pressure points we solve
The cash-flow squeezes we hear about most — and the fair fix for each.
The squeezeBig parts orders tie up your cash.
The fair fixA revolving line you draw on for parts and tools.
The squeezeOne slow week on an MCA puts you under.
The fair fixFixed payments instead of a daily siphon out of your account.
The squeezeLifts and diagnostics are expensive.
The fair fixEquipment funding so you can take on more jobs.
What shop owners use it for
Put the capital where it moves the needle most.
Parts & inventory
Lifts, tools & diagnostic equipment
Adding service bays
Technician payroll
Shop build-outs
Marketing & customer retention
Specific industries we serve
Your exact line of work may have its own page, with tailored financing and the needs we see most.
Tools and guides for auto repair & service
Run the numbers
Compare side by side
Guides & related financing
From our insights
What it takes to qualify
Most deals here are secured by equipment, trucks, receivables, or property — but if you need cash-flow financing, that path qualifies differently.
Real Estate & Assets
- Credit generally 620+ (equipment) to 640+ (rental property)
- Equity or down payment — typically up to ~75% loan-to-value
- The property's income covers the payment (DSCR programs)
- No tax returns required on most DSCR programs
- Entity docs, insurance, and a purchase contract or payoff statement
Business Capital
- Operating at least a few months under current ownership
- Roughly $17,000+ per month in business revenue
- Personal credit around 575+ on most programs
- Not over-extended on existing cash advances
- Bank statements usually enough to start — no tax returns to check options
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your shop?
Two minutes, no obligation, no credit impact. Or call (337) 270-2036.
