Keep your techs paid while insurance and fleet invoices clear. $25,000 to $5,000,000, 5-minute application, no tax returns.
Cover My PayrollAuto Repair Payroll Funding
Auto repair revenue arrives on the customer's timeline. Payroll funding bridges the gap so your best technicians never wonder whether payday is coming.
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 minutes and about three months of statements. Funding in as little as 24 hours for qualified shops.
FICO 500+ is considered, and steady shop deposits count.
You see the full repayment amount in your offer. No surprise costs after you sign.
Your schedule is laid out in the offer up front so it fits your payroll cycle.
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.
In an auto repair shop, labor is the product. Your technicians and service writers expect to be paid on schedule, but revenue often lags. Collision work waits on insurance approvals, fleet accounts pay on their own terms, and a big engine job can tie up a bay and parts for days before it bills. Payroll funding keeps your team paid while that money catches up.
Losing a good tech over a missed check costs far more than the funding. Many owners also read our auto repair cash flow guide to spot the gaps early.
For recurring gaps, a business line of credit lets you draw only for the weeks you need. For a single crunch, working capital or a merchant cash advance may fit. We review your file and suggest the shape that matches your cash cycle.
Funding solves the immediate problem, but a few shop habits make the next gap smaller. Submit insurance supplements the same day you find hidden damage, so approvals do not stall a car in the bay. Set clear payment terms with fleet accounts and invoice the moment a vehicle is done. Review your weekly labor cost against billed hours, because a gap between the two often explains why payroll feels tight even in busy weeks.
For illustration: a six-bay shop with three large collision claims pending might have plenty of work on paper and still be short on payday. Funding covers the payroll, and faster claim follow-up keeps it from happening every month. Ask for the amount that covers the gap, not your maximum, and repayment stays easier to manage.
About three months of business bank statements and a 5-minute application. No tax returns required. We start with a soft credit pull, consider FICO 500+, and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000 and can arrive in as little as 24 hours for qualified businesses. Your offer shows the full repayment amount and schedule before you accept. Start your application.
Yes. Payroll is one of the most common uses for auto repair shops, especially while insurance or fleet payments are pending.
It depends mainly on your deposits and existing obligations. Funding ranges from $25,000 to $5,000,000.
We look at the pattern across about three months of statements. One slow week is weighed in context with the rest of your deposits.
Funding can arrive in as little as 24 hours for qualified businesses with a complete file.
We start with a soft credit pull, and FICO scores of 500 and up are considered.
Example uses for illustration only.
These steps make payroll funding easier to qualify for and to repay.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding