Capital that keeps the bays full.
Independent repair shops, body shops, tire and wheel, transmission, mobile mechanics. A shop earns when the bays are turning, and most of what capital does here is keep them turning.
How the money
actually moves.
Parts margin and labor rate carry the shop, and both depend on throughput. An empty bay waiting on a parts account or a lift is the most expensive thing in the building. Capital that fills the bay pays for itself in weeks, which is why a short structure with an early payoff fits.
Equipment, parts inventory and a bay expansion are the three things auto capital goes to. Insurance receivables from collision work are normal and read as the steady revenue they are.
Three things it is
usually for.
Parts inventory
A wholesale parts account upgrade so the bay is not waiting on a delivery. Paid back by the jobs it turns.
Lift, scanner, alignment rack
Equipment financing with the unit as collateral, sized so the added capacity carries the payment.
Adding bays
Build-out for two more bays, with the existing shop carrying the remit until they open.
What your underwriter
reads first.
Specific to auto repair files. The general read, six things every file gets, is on the how it works page.
- 01Insurance and fleet receivables read as steady revenue.
- 02Card and cash deposits together; we reconcile both.
- 03Daily load from any existing positions is the first thing we add up.
What a workable
auto repair file looks like.
These are shapes, not gates. The funder sets the floor, and we place the file where it fits or tell you plainly if it does not.
- 6+ months in operation
- Revenue through a business bank account
- State repair facility registration where required
- Any credit profile
Asked by
auto repair owners.
Yes, with a registered business and consistent revenue.
Yes. Equipment financing is purpose-built for it.
Normal. We underwrite from deposit history and treat them as the steady flow they are.