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Auto repair funding

The lift broke Monday. You need it fixed by Wednesday.

$15K to $150K. In your account tomorrow. Direct funded. 24 hours.

See What You Qualify For
24HRAvg time to fund
$15K–$150KFor auto shops
No credit pullTo apply
Direct Funder
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The real problems

Every bay that's empty is money you're losing.

A dead lift means 8-10 cars a day you can't service. A parts shortage means jobs sitting on the rack. You can't tell customers to come back in 6 weeks.

Equipment costs $20K-$80K

A two-post lift is $5K-$12K. A four-wheel alignment machine is $25K-$40K. A paint booth is $30K-$80K. When it breaks, every day without it costs you $1,500+ in lost revenue.

Funded next day

Parts inventory eats cash

You need brakes, rotors, filters, and fluids in stock or you're sending customers down the street. Keeping $15K-$30K in parts on the shelf is the cost of staying competitive.

$15K-$40K typical

Seasonal swings hit hard

January and February are dead. Then spring hits and everyone needs tires, brakes, and AC work at once. You need cash to staff up and stock up before the rush comes.

$20K-$50K typical

Insurance work pays slow

Body shop jobs through insurance can take 30-45 days to get paid. You fronted the parts, paid the techs, and now you're waiting on a check that may get disputed.

Same-day decision
How it works

Apply today. Funded tomorrow.

We look at your bank deposits, not your credit score. Most auto shops get a decision within hours.

01 Apply

60-second application

Shop name, monthly revenue, how long you've been open. That's it.

02 Review

We review 3 bank statements

No credit pull. No collateral. We look at cash flow — not your FICO.

03 Fund

Cash hits your account

24 hours after approval. Wire or ACH, your pick.

Day 0 · ApplyDay 0 · ReviewDay 1 · Funded
Last month

An auto shop in FL. 24 hours.

"

Their main hydraulic lift failed on a Monday. Two bays down, losing $3K a day. We funded $35K in 24 hours. New lift was installed by Wednesday and they were back at full capacity.

$35,000Funded
24 HRSApply to cash in account
0Collateral required
✓ No credit pull ✓ No personal guarantee required ✓ Direct funder
Common questions

Auto repair shop funding — answered.

Do you fund auto repair shops with bad credit?+

Yes. We've funded auto repair shops with credit scores in the 500s — and some sub-500. We underwrite on cash flow, not FICO. Three months of bank statements with consistent deposits is what matters.

How fast can a auto repair shop get funded?+

Typical time from signed agreement to capital wired is 24 to 48 hours. Decisions on most applications come back the same business day.

How much can auto repair shops qualify for?+

$25K-$150K is the typical advance range for auto repair shops, though we fund anywhere from $5,000 to $2,000,000 depending on monthly revenue. A reliable rule of thumb: about 50%-150% of monthly deposits.

What do I need to apply?+

Three things: a 60-second application (business name, monthly revenue, time in business), the last 3 months of business bank statements, and a voided check or bank linkage. No tax returns, no collateral, no credit pull to qualify.

Is this a loan?+

No. A merchant cash advance is the purchase of a portion of your future receivables. There is no APR. Pricing is expressed as a factor rate (typically 1.15 to 1.45) applied to the advance amount — that's the total payback. Repayment is a small daily, weekly, or bi-weekly ACH from your business account.

Find out your number in 60 seconds.

No credit pull. No paperwork. Just a quick form and we'll tell you what your shop qualifies for today.

Apply Now
✓ No credit pull ✓ No obligation ✓ Decision same day