Cover rent, payroll and parts while the bays are quiet. $25,000 to $5,000,000, FICO 500+ considered, soft pull to start.
Plan My Slow SeasonAuto Repair Slow-Season Funding
Quiet months are part of the repair business. Funding sized to your deposits keeps your team and your parts shelf ready for when the cold snap or refund season hits.
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.
A 5-minute application and about three months of statements. Funding in as little as 24 hours for qualified shops.
FICO 500+ is considered, alongside your deposit history.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is laid out up front, so you can match it to your busy season.
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.
Repair demand moves with weather, tax refunds and driving habits. Many shops see a rush when the first cold snap hits batteries and tires, another when refund checks arrive, and a dip in between. Your rent, insurance, software subscriptions and core staff cost the same in a slow month as in a busy one. Slow-season funding gives you room to keep the lights on and your team intact until cars start rolling in again.
The smartest shops do not just survive the dip. They use it.
Our cash flow guide for auto repair walks through planning for these swings.
Funders weigh the overall deposit pattern rather than any single month. A shop with a predictable seasonal curve is easier to understand than one with random spikes. We review about three months of statements, your existing obligations and your credit, starting with a soft pull. FICO 500+ is considered and no tax returns are required.
Applying before the slowest weeks, while deposits are still healthy, tends to give a clearer picture of your shop.
For illustration: a four-bay general repair shop runs full through winter battery and tire season and again when refund checks land, then sees fewer walk-ins in late spring. The owner knows from past years roughly how long the quiet stretch lasts. Instead of laying off a skilled technician who would be hard to replace, the owner applies while deposits are still strong, uses part of the funding to cover payroll and rent, and spends the rest on a brake and AC promotion timed for early summer. When the cars come back, the full team is in place and the promotion is already bringing in tickets. The repayment schedule in the offer was checked against the quiet months before signing.
If you expect several lean months, a line of credit lets you draw only as needed. For a single bridge, working capital may fit. 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. Apply in 5 minutes or read about payroll funding for repair shops.
Ideally before the quiet stretch begins, while recent statements still reflect your busier months and steady deposits.
Funders weigh the overall pattern. A consistent seasonal curve is easier to read than unexplained swings.
Rent, payroll, parts, equipment maintenance, training and marketing to bring work back in.
From $25,000 to $5,000,000, sized mainly by your deposits and existing obligations.
No. About three months of business bank statements and a short application are enough to start.
Example uses for illustration only.
A little planning makes a slow season easier to fund.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding