Capital for your next project — AutoRepair Capital
Connect with lenders who fund diagnostic equipment, lifts, tools, and working capital for independent auto repair shops in hours, not weeks.
Soft inquiry only. Your credit stays clean.
- diagnostic equipment
- working capital
- equipment leasing
- SBA loans
- term loans
- asset-based lending
- floor plan financing
- merchant cash advance
Auto repair shop financing and equipment loans
Financing options matched to your situation, in one place.
- EQUIPMENT Diagnostic and lift loans Finance hoists, alignment racks, scanners, and compressors with terms up to seven years.
- WORKING CAPITAL Repair shop operating cash Cover payroll, inventory, and overhead between seasonal peaks or growth periods.
- EXPANSION Multi-bay or facility loans Fund facility upgrades, build-outs, or a second location with real-estate-backed or equipment-backed structures.
- LEASING Equipment lease alternatives Own or lease diagnostic and production equipment with options to purchase at term end.
- $5K–$250K Typical loan range
- 24–72 hrs Approval to funding
- 1 soft pull No credit impact
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
No credit penalty
- Soft inquiry does not appear on your credit report or affect your score.
- You stay in control: apply only to lenders you want to work with.
Shop-specific lenders
- Lenders in our network understand auto repair cash flow, seasonality, and equipment depreciation.
- No generic personal-loan or merchant-cash-advance pitches; real mechanic shop financing.
Fast turnaround
- Soft inquiry to lender match in under 24 hours; approval to funding in 48–72 hours typical.
- No weeks of bank underwriting or collateral appraisals for standard equipment loans.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Seasonal revenue kills bank approval
Traditional banks see repair shops as high-risk due to uneven monthly income and often require 2+ years of flat or growing tax returns.
Credit hiccups from cash-heavy operations
Many shop owners have strong cash flow but spotty credit because they operate lean or had personal emergencies; banks auto-decline sub-680 scores.
No collateral or title clarity
Banks require clear asset ownership and appraisals; many shops operate under LLC or partnership structures that complicate traditional loan underwriting.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Three-bay independent shop owner
Purchased two wheel-alignment racks and vehicle lift to meet customer demand and reduce outside referrals.
Shop manager running second location
Financed diagnostic scanner, air compressor, tool chest, and working capital for new technician hire.
Owner transitioning to ASE-certified diagnostics
Covered high-end computer diagnostic system, training, and three months of lower revenue during learning curve.
Expanding from one to two service bays
Buildout, electrical upgrade, two hoists, compressor, and working capital for Q1 seasonality.
SBA loans and lines of credit for auto repair shops
Beyond equipment, shop owners often qualify for SBA 7(a) loans up to $5M or revolving lines of credit for inventory and payroll flexibility. Learn how SBA terms compare to conventional equipment financing and whether your shop meets lender requirements.