Parts go out before payment comes in. Here is how established shops manage the gap, and how fast working capital can help when they need it.
See My OptionsAuto Repair Cash Flow
Cash flow in a repair shop is a timing problem. Capital matched to your deposits can cover parts, payroll and equipment while invoices clear.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Five-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified shops.
FICO 500+ considered, with a soft credit pull to start. Steady shop deposits matter most.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The schedule is spelled out in your offer, so you can budget around parts orders and payroll.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
A full lot does not always mean a full bank account. Auto repair shops buy parts before the customer pays, carry technician payroll whether bays are full or not, and sometimes wait on fleet accounts or warranty claims. A big transmission job can tie up hundreds of dollars in parts for days while the car sits on a lift.
Good cash flow management in an auto repair shop comes down to three things: knowing when money leaves, knowing when it comes back, and having a buffer for the gap between the two.
Seasonal dips are common. Our page on slow-season funding for auto repair covers that scenario directly.
Financing makes sense when a specific need has a clear payback: a new lift that opens another bay, a parts stocking order before the busy season, or covering payroll while a large fleet invoice clears. We offer working capital, merchant cash advances, a business line of credit, equipment financing and revenue-based financing, with funding from $25,000 to $5,000,000.
We review about three months of business bank statements, start with a soft credit pull, and consider FICO 500+. No tax returns are required. Your offer lists the full repayment amount and the schedule before you accept. Apply in about five minutes.
Treating busy months as extra cash instead of building a buffer for parts orders, slow weeks and equipment repairs.
Yes. Many shops use working capital or a line of credit to stock up before busy seasons. See our auto repair inventory funding page for more.
No. We review about three months of business bank statements and a short application.
Decisions move fast, with funding in as little as 24 hours for qualified businesses.
Yes. Sole proprietors can apply as long as the business has steady deposits.
Example uses for illustration only.
These steps strengthen both your cash flow and your next funding offer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding