Automotive Services Funding
Capital to open a new shop, stock parts and inventory, and grow — for auto repair, body shops, dealerships, and parts businesses.
Funding Amount
$10K – $10M
Funding Speed
Same Day
Credit Check
No Impact
Approval Time
Within Hours
We understand automotive services businesses
Opening a new shop, stocking parts and inventory, buying lifts and diagnostic equipment, and moving into a bigger facility all take cash up front. We work with auto repair shops, body shops, dealerships, parts retailers, and specialty automotive businesses to provide fast, flexible funding for startup costs, inventory, equipment, and growth. Body and collision shops can also bridge the wait between finishing a repair and getting paid by the insurance company.
Common challenges we solve
- ✗Opening a new shop or location — build-out, deposits, and startup costs
- ✗Parts inventory ties up cash before vehicles are even repaired
- ✗Diagnostic equipment and lifts require large upfront investment
- ✗Expanding from one bay to a larger facility
- ✗Body shops: insurance claims take weeks to pay while parts and labor are done
- ✗Slow seasons when fewer people drive or buy
Funding options for automotive services businesses
We match you with the products that fit your specific situation.
Equipment Financing
Finance lifts, diagnostic equipment, and shop tools for a new or growing shop.
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💳Line of Credit
Access capital for parts inventory and seasonal needs.
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📈Revenue-Based Financing
Cover startup costs and daily operations, and bridge insurance payment delays.
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🏠Business Purpose HELOC
Tap your home equity for business capital — a lower-cost way to fund growth.
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Qualification Requirements
Simple criteria — most automotive services businesses qualify.
📅
Time in Business
6+ Months
💰
Monthly Revenue
$10K+
🔒
Credit Check
No Impact
🏦
Bank Statements
4 Months
No credit impact · Takes 2 minutes
Automotive Services Funding FAQs
I'm opening a new shop — can you help?▾
Yes. Equipment financing can cover lifts, scan tools, and shop equipment, a line of credit or working capital advance can fund parts inventory and opening costs, and most programs look for 6+ months in business. If you're earlier than that, ask about using equity in your home for business capital (available in select states). Apply once and your advisor will point you to what fits.
Can I finance shop equipment and lifts?▾
Yes. Equipment financing is ideal for automotive shops — we can finance alignment systems, hydraulic lifts, scan tools, compressors, and other shop equipment using the equipment itself as collateral.
Insurance is slow to pay — can you help bridge that gap?▾
Yes. Revenue-based financing and lines of credit are commonly used by body shops and collision centers waiting on insurance claims. Get paid now and let the insurance catch up.
I want to expand to a larger shop — what are my options?▾
We have multiple programs for expansion. Depending on your time in business and revenue, a term loan or SBA loan may be best for a facility move, while a working capital advance can cover renovation and equipment for a larger space.
I'm a parts retailer — do I qualify?▾
Yes. Auto parts retailers, wholesalers, and distributors all qualify for our programs. Inventory financing and lines of credit work especially well for parts businesses with variable stock needs.