Business funding for auto repair shops and dealers
Lifts, diagnostic tools and parts inventory are expensive, and repairs bunch up by season. Funding that fits your bays’ cash flow helps you take on more work.
How cash flows in auto repair & dealers
Shops are paid on completion, often by insurers for body work, while parts, techs and equipment are paid upfront. Dealers carry inventory that ties up cash until it sells. Both see seasonal swings.
What we look at
- Deposits over the last four months
- Insurance-paid work and payment timing
- Existing equipment financing
- Time at your location
Minimums: about $50,000 a month in revenue and one year in business. Larger requests are reviewed case by case.
Common situations
New lifts or diagnostic equipment
Finance the tools against themselves.
Parts inventory
Working capital to stock what moves fastest.
Adding bays or a second shop
Term loans for build-out and equipment.
Several advances at once
Consolidate into one payment.
Funding that fits
Your advisor recommends the structure; you choose, with every cost in writing.
Auto repair & dealers: questions owners ask
Can dealers fund vehicle inventory here?
Floor-plan lines are specialized; your advisor will tell you plainly whether we can help or whether a dedicated floor-plan provider is a better fit.
Do insurance delays matter?
The review looks at what lands in your account. Steady deposits matter more than individual delays.
What do I need to apply?
To start: amount, monthly revenue and time in business, with no documents and no SSN. To get your offer: your last four months of business bank statements.