Auto Repair

You buy the parts before the customer pays for the job.

Working capital for independent shops with real deposit history.

Typical time from submission to funding: 24–72 hours

Why auto repair use funding

The cash-flow patterns we see in this industry.

Diagnostic equipment and lifts are high-ticket capital costs that don't align with monthly cash flow.
Parts often have to be paid for upfront, before the customer pays for the repair.
Slow months (typically post-holiday and mid-summer for many shops) create predictable cash gaps.
Expanding a bay or adding a service (alignment rack, tire mounting) is a growth move that needs cash on hand.

What you can use it for

How it works

Six quick questions. About two minutes.

For auto shops, deposit volume is the primary underwriting input — card and check activity both count.

Typical timeline: 24–72 hours from clean documents to funds.

Common questions

＋Can I use this to buy a new lift?

Yes. For very large equipment purchases, equipment-specific financing may also fit — we can talk through both.

＋What if my personal credit is under 600?

This is deposit-based underwriting, so shop revenue carries most of the weight.

＋Do you fund body shops as well as mechanical?

Yes, both are common applicants.

Six quick questions. Real numbers back. No sales pressure.