Parts runs and slow weeks call for one tool. A new lift calls for another. See which fits your shop, then get a clear offer.
Compare My OptionsAuto repair financing compared
Flexible draws suit recurring parts and sublet costs. A lump sum suits one defined purchase. We show you both, priced in plain dollars.
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.
About three months of bank statements and a 5-minute form. No tax returns. Qualified shops can be funded in as little as 24 hours.
FICO 500+ is considered. Steady repair-order deposits count for a lot.
The full repayment amount is in your offer before you accept. Nothing new appears after you sign.
Your schedule is laid out in the offer, so you can plan it around your parts orders and payroll.
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.
A repair shop's cash needs come in two shapes. Some are recurring and unpredictable: a run on brake parts, a customer's transmission job that needs a rebuilt unit ordered today, a slow week after a holiday. Others are one big moment: a new lift, a diagnostic scanner upgrade, or covering a bay tech while you hire.
A business line of credit tends to fit the first shape. A merchant cash advance tends to fit the second. Neither is better in the abstract.
| Question | Line of credit | Merchant cash advance |
|---|---|---|
| How you get the money | Draw what you need, when you need it | One lump sum up front |
| Best match | Parts orders, sublet work, short gaps | A defined purchase or project |
| How it's repaid | On the schedule in your offer for what you draw | Tied to your future receivables per the offer |
| Reuse | Available again as you repay | Apply again for new funds |
For a deeper look at either one, see our pages on a line of credit for auto repair and a merchant cash advance for auto repair.
Both products start the same way: a 5-minute application, about three months of business bank statements, and a soft credit pull. No tax returns. FICO 500+ is considered, and sole proprietors can apply. Funding runs from $25,000 to $5,000,000, with qualified shops funded in as little as 24 hours. Apply here to see real numbers.
It depends on your deposits and existing obligations. A reviewer looks at whether your account can carry both payments before offering a second product.
For a single known purchase, a lump sum is often easier. Equipment financing is another option for machinery, and we can show it alongside the other two.
Seasonal dips are expected in repair work. Reviewers look at the full three months of statements and how consistently deposits come in.
We start with a soft credit pull, so checking your options does not begin with a hard inquiry.
Every offer shows the full repayment amount and the schedule before you accept, so you can compare the two products side by side.
Yes, as long as they are deposited into your business bank account. Fleet accounts and insurance repair payments often arrive on a delay, and reviewers read them as part of your overall deposit pattern rather than in isolation.
Example uses for illustration only.
Whichever product you choose, these steps help your shop's file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding