Industry Financing
Auto Repair Shop Financing
Equipment loans, working capital, and expansion financing for general repair shops, tire centers, body shops, and specialty automotive businesses.
Check Your Eligibility →Funding Amount
$10K – $1.5M
Typical Terms
1–10 years
Rates Starting At
6.9%
What We Finance
Auto repair shops have high equipment costs and strong, recurring revenue from repeat customers. Lifts, diagnostics, alignment systems, and shop expansions all require financing that traditional banks often underprice.
- •Shop equipment: lifts, alignment systems, diagnostic scanners, tire equipment
- •Shop acquisition or purchase of existing repair business
- •Working capital for parts inventory and payroll
- •Expansion: adding bays, adding locations
- •Emissions testing equipment and licensing
- •Body shop: frame straightening, paint booths, welding equipment
Business Types We Work With
- ✓General automotive repair
- ✓Tire shops and wheel shops
- ✓Transmission and drivetrain specialists
- ✓Auto body and collision repair
- ✓Quick lube and oil change franchises
- ✓Emissions and inspection stations
- ✓Performance and custom shops
Why Lenders Approve This Industry
Auto repair is recession-resistant — older vehicles on the road increase demand. Shops with high repeat-customer rates and consistent monthly revenue are strong candidates. Hard equipment collateral improves approval rates.
Typical Qualification Requirements
- ✓Automotive service license or ASE certification preferred
- ✓6+ months in business
- ✓$10,000+ monthly revenue
- ✓580+ credit score
- ✓Shop lease or real estate documentation
Requirements vary by program and lender. Many businesses that were declined elsewhere qualify through our network.