Auto Shop Financing — Lifts, Diagnostics, Parts and Payroll

Diagnostic tooling gets obsolete on a manufacturer's schedule, not yours, and parts have to be bought before the customer picks up the car.

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What owners in this industry finance

Lifts, alignment racks and scan tools
Parts inventory and floor stock
Bay expansion and property
Slow-month payroll

What we would tell you

Equipment financing is the cheapest yes in this industry — the lift is the collateral, so there is no time-in-business minimum. Buying your building through SBA 504 often costs less than your current rent.

The programs that fit best

Equipment Financing

The machine is the collateral

A few days 580+ (varies by equipment) FICO

Business Line of Credit

Draw only what you need

Same day 600+ FICO

Small Business Loans

Term Loans & Working Capital

Same day to 3 days 660+ FICO

Commercial Real Estate Financing

Buy, refinance, or cash out

As little as 30 days 650+ FICO

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

Straight answers

Auto Repair & Services funding questions

What is the best financing option for auto repair & services?

It depends on what the money is for. Equipment financing is the cheapest yes in this industry — the lift is the collateral, so there is no time-in-business minimum. Buying your building through SBA 504 often costs less than your current rent.

Can I get funded for my auto repair & service business with bad credit?

Several products carry no minimum credit score — equipment financing at 580, and invoice factoring, purchase order financing and revenue-based options with no FICO floor at all. See bad-credit options.

How fast can we get the money?

Same day to three business days on the fast programs from a complete file. Equipment takes a few days, invoice factoring 2–5 days, SBA 30–45 days.

No cost · No obligation

Funding for auto repair & services

One application, shopped across 14 programs, no fee to you.

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Checking your options does not affect your business credit. A soft review only.