FICO 500+ considered. We start with a soft pull and look at what your shop actually brings in, using about three months of bank statements.
See If I QualifyAuto Repair Funding, Lower Credit
A rough patch on your credit does not erase years of steady repair work. We weigh deposits and balances alongside your score.
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 bank statements. No tax returns. Funding in as little as 24 hours if qualified.
Credit is one factor. We start with a soft pull so checking your options does not hurt your score.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Your repayment schedule is in the offer before you accept, so you can judge if it fits your shop.
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.
Plenty of good shops have owners with bruised credit. Maybe it was a divorce, a medical bill, or the years when you were building the business on personal cards. Banks tend to stop reading at the score. We look further, because what predicts repayment for an operating shop is mostly the cash moving through its account.
FICO 500+ is considered. That does not mean every file gets approved, and it does not mean credit is ignored. It means credit is one factor among several.
When we review an auto repair shop, credit sits next to these factors:
Shops with lower scores often look at a merchant cash advance for auto repair or revenue-based financing for auto repair, since both lean heavily on sales and deposits. Working capital and equipment financing are also on the table depending on the file.
We start with a soft credit pull, so checking your options does not lower your score. The application takes about five minutes, and we review about three months of business bank statements. No tax returns required, and sole proprietors can apply.
If you get an offer, it shows the full repayment amount and schedule before you accept, with no surprise costs after you sign. Be honest with yourself about what the payments mean for your shop. Apply here, and funding can arrive in as little as 24 hours for qualified businesses.
FICO 500+ is considered. Your score is weighed alongside deposits, balances and existing obligations, so there is no single number that decides the outcome.
No. We start with a soft credit pull.
We review each file on its own facts. Recent events are weighed differently from older ones, and your deposit history matters a great deal. Apply and we will tell you plainly what we see.
Credit can affect an offer, but the amount depends mainly on your deposits and what your shop already owes.
Keep deposits flowing into one business account, avoid overdrafts, and reduce negative balance days in the months before you apply.
Example uses for illustration only.
These honest steps can strengthen a lower-credit file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding