Merchant Fund Express
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Equipment Financing for Auto Repair Shops

Finance lifts, scan tools, alignment racks and calibration systems without draining operating cash. A 5-minute application and a soft credit pull to start.

Price My Equipment

Auto Repair Equipment Financing

Put new gear in the bay and keep your cash for parts

Old equipment limits how many cars you can turn. Spread the cost over a payment schedule and let the new gear start earning right away.

As fast as
24 hours

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.

Why shops finance equipment with us

Fast, with a short document list

About three months of bank statements and a vendor quote. No tax returns. Funding in as little as 24 hours for qualified businesses.

Credit flexibility

FICO 500+ considered. We start with a soft pull and weigh your shop's deposit history.

The full cost in writing

Your offer shows the full repayment amount before you accept, and no surprise costs appear after you sign.

A fixed plan for each piece

The payment schedule is laid out in your offer up front, so you can match it to what the gear earns.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Equipment decides how many cars you can turn

A shop's capacity is set by its equipment. One more lift means one more car on the go. A current scan tool means you can take the late-model diagnostic work instead of sending it to the dealer. When gear is old or missing, you are turning away revenue every day.

Equipment financing spreads the cost of that gear over a payment schedule instead of draining your operating cash in one shot. The equipment goes to work right away, and your cash stays available for parts and payroll.

What repair shops finance

EquipmentWhy it matters
Two-post and four-post liftsMore bays in use at once
Diagnostic scan tools and softwareKeeps late-model work in-house
Alignment racks and tire machinesAdds a steady, repeatable service line
ADAS calibration systemsHandles windshield and sensor work after repairs
Compressors, A/C recovery, brake lathesCore gear that cannot stay down for long

If something you already own broke and needs fixing rather than replacing, our auto repair equipment repair funding page is a better starting point.

New or used, what we need from you

Tell us what you are buying and roughly what it costs. A quote from the vendor helps. Beyond that, we review about three months of business bank statements. No tax returns required, FICO 500+ considered, and the process starts with a soft credit pull. Sole proprietors can apply.

Like every product we offer, the amount depends mainly on your shop's deposits and existing obligations.

Running the numbers on a new lift

For illustration: if a new lift lets one tech finish an extra job each day, compare the added gross profit over a month with the monthly payment in your offer. If the math works with room to spare, the equipment pays for itself. If it is tight, consider a smaller purchase.

Your offer shows the full repayment amount and schedule before you accept, with no surprise costs added after you sign. Start your application and funding can arrive in as little as 24 hours for qualified businesses.

Frequently Asked Questions

Can I finance used shop equipment?

Tell us what you are buying, new or used, and include a quote if you have one. We review each request based on your deposits and the equipment involved.

Do I need a down payment?

Every offer is different. Whatever your offer requires is spelled out before you accept.

How fast can I get the equipment?

Decisions move quickly, and funding can arrive in as little as 24 hours for qualified businesses.

Is equipment financing better than a line of credit for a lift?

For one large purchase, equipment financing usually fits better. A line of credit for auto repair suits smaller, repeating expenses.

What amounts are available?

Funding runs from $25,000 to $5,000,000, based mainly on deposits and what your shop already owes.

Four-post lift $16,000.00
Alignment rack $38,000.00
ADAS system $29,500.00
Tire changer $8,200.00

Example uses for illustration only.

How to improve your chances

A little prep makes an equipment request easier to approve.

  • Get a written quote from the equipment vendor
  • Keep deposits steady in your business account
  • Estimate how much new work the equipment adds
  • Have three months of statements ready to upload

Equipment financing: us vs. a typical bank

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Weeks of review
Documents
Statements plus a vendor quote
Tax returns, financials, appraisals
Credit
FICO 500+ considered
Strong credit usually expected
Credit check to start
Soft pull
Hard pull is common
Application
About 5 minutes
Lengthy paperwork

Add the bay capacity your shop needs

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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