Cover parts, payroll and slow-paying fleet accounts without waiting on a bank. A 5-minute application and about three months of bank statements.
Check My OptionsAuto Repair Working Capital
Cars come in, parts go out, and customers pay later. A lump sum of working capital keeps the bays moving while the money catches up.
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 short application. No tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. We start with a soft pull and look hard at your deposit history.
Your offer shows the full repayment amount before you accept, with no surprise costs added after you sign.
The payment schedule is laid out in your offer up front, so you can match it to your shop's weeks.
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.
You pay for parts when you order them. You pay your techs every week. The customer pays when the car leaves the bay, and the fleet account pays when its accounting department gets around to it. That gap between money out and money in is where working capital earns its keep.
We provide a lump sum your shop can put toward whatever is squeezing cash flow right now, with a repayment schedule laid out in the offer before you accept.
Every shop is different, but the same handful of needs come up again and again:
The application takes about five minutes. After that we review about three months of business bank statements. No tax returns are required, and we start with a soft credit pull. FICO 500+ is considered, and sole proprietors can apply.
We are looking for established shops with steady deposits. We weigh your average monthly deposits, the balance you typically carry, and what you already owe. Those factors drive the amount more than anything else.
Before you accept, your offer shows the full repayment amount and the payment schedule. Treat it like a work order you would hand a customer: the total, the timing, and nothing hidden. If the payments do not fit how your shop actually runs, it is better to ask for a smaller amount than to stretch.
Funding can arrive in as little as 24 hours for qualified businesses.
Yes. Working capital is a lump sum with a set repayment schedule. A merchant cash advance is repaid from a share of future card sales. Shops with lots of check or ACH payments often prefer working capital.
Yes. Most shops use it for a mix of needs. Knowing roughly how you will split it helps when you apply.
From $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.
No. We work from about three months of business bank statements.
We work with established businesses that show steady deposits. If your account history is short, apply and we will tell you plainly what we see.
Example uses for illustration only.
Before you apply, a few changes can strengthen your shop's file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding