Auto Repair Financing
Auto repair shops—from general mechanics and brake specialists to transmission shops and body shops—need capital for lifts, diagnostic equipment, specialty tools, working capital, and facility improvements. Banks often restrict automotive lending due to industry risk or credit. When traditional sources decline, alternative lenders may evaluate deals based on equipment collateral, revenue, and structure.
Auto repair shops are equipment-intensive. Owners need lifts, diagnostic scanners, specialty tools, and working capital for parts and payroll. Banks often decline automotive lending due to industry exposure or credit. Equipment vendors' in-house programs may decline buyers who do not fit. Alternative financing fills a gap for deals that may qualify depending on structure, revenue, and collateral.
Brokers, automotive equipment vendors, and advisors routinely encounter repair shop clients who were declined elsewhere. The referral partner network evaluates opportunities that may qualify depending on structure, revenue, collateral, and lender guidelines. No approval is promised—each deal is reviewed on its merits. Send declined business loans for evaluation.
Situations where auto repair shop financing is often explored:
Auto repair financing may be equipment-backed, revenue-based, or structured for working capital. Lifts, diagnostic equipment, and specialty tools often serve as collateral, which may allow lenders to consider deals that unsecured programs would decline. A broker or vendor with a signed referral agreement submits the deal. The financing partner evaluates and may match it to lenders with automotive programs. The referral partner introduces the opportunity; the financing partner determines fit.
Deals are reviewed based on equipment type, value, revenue, time in business, and credit. What one lender declines, another may consider. Vendors can learn how vendors get paid for referring financing when deals close. Compensation is revenue share on successful placement. Equipment financing structures may apply when shop equipment secures the transaction.
Lift purchase declined by vendor. An auto repair shop needs two new lifts; the vendor's program declined due to credit. The vendor refers the deal to a financing partner. An alternative lender with equipment-backed programs may consider the deal depending on structure and collateral.
Diagnostic equipment declined by bank. A transmission shop needs upgraded diagnostic scanners. The bank declined due to industry exposure. The shop's broker submits to a referral partner network. Equipment financing may create options when machinery secures the transaction.
Working capital for parts inventory. A busy repair shop has strong revenue but needs capital for parts and payroll. The bank declined. The shop's CPA refers to a financing partner. Revenue-based structures may create options. Send declined business loans for review. Review the referral agreement before submitting.
Auto repair shops use alternative financing when banks or vendor programs decline. Brokers use it when automotive deals fall outside their primary programs. Lift and diagnostic equipment vendors use it when in-house financing says no—and they can earn revenue share when deals close. The common thread: a need for evaluation beyond the first lender's box.
This is not a guarantee. It is an additional path to explore. Send declined business loans and hard-to-place business loans for review through the referral partner process. Review the referral agreement before submitting.
Submit borrower, shop type, equipment details, and request by email.
We evaluate the opportunity and identify possible funding paths based on multiple factors.
Partners stay informed throughout the process.
When a deal closes, partners may receive 35% revenue share per the agreement.
FAQ
Auto repair shops may need equipment financing for lifts, diagnostic scanners, and specialty tools; working capital for parts inventory and payroll; or facility build-out. Approval depends on deal structure, revenue, and lender guidelines.
Banks may decline due to industry risk, credit, or facility type. Alternative lenders may evaluate auto repair deals differently based on equipment collateral, revenue, and structure.
Brokers with a signed referral agreement can submit auto repair deals for evaluation. The financing partner reviews and may match to lenders with automotive programs. Compensation is typically revenue share when a deal closes.
Yes. Lift and diagnostic equipment vendors who refer buyers declined by in-house programs may receive revenue share when deals close. Learn more about vendor referral compensation.
Referral partners can send declined business loans for evaluation. Review the referral agreement before submitting.
Credit requirements vary by lender. Equipment-backed or revenue-based structures may consider borrowers with lower credit when other factors are strong. Approval is not guaranteed—each deal is evaluated on its merits.
Have a declined deal?
Review the referral agreement, sign it, and submit opportunities for evaluation.
