Auto Repair Shop Loans & Funding
Lifts, diagnostic equipment, parts inventory, payroll — running a shop ties up cash fast. Get matched with lenders who understand auto repair. Free to apply, no hard credit pull.
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BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
Funding for the way repair shops run
Shops carry the cost of parts and labor before the customer pays, and a single big equipment purchase can wipe out a month's cushion. The right funding keeps the bays full without draining your operating cash.
What shops use funding for
- Buying or repairing lifts, alignment racks, and diagnostic scanners
- Stocking parts and tires ahead of demand
- Covering payroll through slow winter or summer months
- Expanding bays or adding a second location
- Bridging the wait on insurance or fleet-account payments
Options that fit auto repair
- Equipment financing for lifts and diagnostic machines, using the equipment as collateral
- Working capital loans for parts and payroll
- Merchant cash advance against daily card sales for shops with strong ticket volume
What lenders look at
- Monthly revenue and card-sales volume
- Time in business
- Consistent deposits — steady revenue can outweigh a lower credit score
Startup auto repair shop equipment financing
Outfitting a new shop — lifts, alignment racks, diagnostic scanners — is expensive, but equipment financing spreads the cost and uses the equipment itself as collateral. That makes approval accessible for startup shops and owners with lower credit, since the machine secures the deal and you keep working cash for parts and payroll.
Why do thousands of businesses trust LendNest?
Security
Instead of sharing information with multiple lenders, fill out one simple, secure form in 60 seconds or less.
Savings
We'll match you with up to five lenders from our network of our network of lenders who will compete for your business.
Support
A dedicated funding specialist will walk you through your options and help you choose the best offer.
Frequently Asked Questions
See what you may qualify for
Compare offers from our network of lenders. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
Related funding options
Finance equipment, machinery, and vehicles using the equipment itself as collateral. Easier approval, preserve cash. Compare offers, no hard credit pull.
Working capital loans cover payroll, inventory, and day-to-day costs. Compare offers from our network of lenders with no hard credit pull.
Need capital now? Get matched with lenders offering same-day decisions and funding in as little as 24 hours. Apply free, no hard credit pull.
LendNest is a matching service, not a lender. Approval, amount, rates, and terms vary by partner and are not guaranteed.
