Draw for parts, equipment fixes and payroll when the need shows up. Soft credit pull to start, about three months of statements, no tax returns.
Get StartedAuto Repair Line of Credit
Parts runs, compressor repairs, an extra week of payroll. A line of credit sits ready so you are not applying from scratch every time.
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.
FICO 500+ considered. We start with a soft pull and weigh how steady your shop's deposits are.
Your offer shows the full repayment amount up front. No surprise costs get added after you sign.
How draws are repaid is laid out in your offer up front, so nothing catches you off guard.
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.
Most shop expenses are not one big purchase. They are a steady stream of smaller ones: a parts run here, a compressor repair there, an extra week of payroll when a tech covers a vacation. A business line of credit lets you draw what you need when you need it instead of taking a large lump sum up front.
For shops that see the same cash crunch every few months, a line is often the cleaner tool. You keep it available and use it when the gap shows up.
A line works best when your needs repeat and vary in size. A merchant cash advance can fit when you need one lump sum and most of your sales run through a card terminal. Our line of credit vs. merchant cash advance guide for auto repair breaks down when each makes sense.
We start with a 5-minute application and a soft credit pull. Then we look at about three months of business bank statements. No tax returns required, FICO 500+ considered, and sole proprietors can apply.
The size of the line depends mainly on your monthly deposits and what your shop already owes. Before you accept, your offer shows the full repayment amount and how payments on draws are scheduled. No surprise costs after you sign.
Apply now and see what your shop qualifies for. Funding can arrive in as little as 24 hours for qualified businesses.
No. The point of a line is that you draw what you need when you need it.
Working capital is one lump sum. A line stays available so you can draw against it as expenses come up.
A short application and about three months of business bank statements. No tax returns.
Funding across our products runs from $25,000 to $5,000,000. Your line size depends mainly on deposits and existing obligations.
For a large, one-time equipment purchase, equipment financing is often the better match, because the payment schedule is built around that one asset. A line works best for smaller, repeating needs like parts runs, repairs and payroll gaps.
FICO 500+ is considered. Credit is one factor alongside your deposit history, and we start with a soft pull.
Example uses for illustration only.
These steps help your shop present a stronger file for a line.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding