New lift, diagnostic tools, a parts order. Shops doing $60K+ a month can apply in 5 minutes and get a quick answer.
Check my shopAuto Repair Shops
Equipment and parts cost money before the work pays. Funding through our partner, Merchant Fund Express keeps the bays moving.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
As little as 24 hours for qualified shops. About 3 months of statements, no tax returns, 5-minute application.
FICO 500+ considered with a soft pull to start. Steady repair deposits carry weight in the review.
Your offer shows the total repayment amount up front. No surprise costs after you sign.
Repayment is laid out in your offer before you accept, so you can plan around slow and busy weeks.
Shop owners hear no from banks all the time. Thin margins, seasonal swings and a personal score that took a hit somewhere along the way. None of that means the shop is not busy. A revenue-based review reads your deposits, and a shop turning cars every day usually shows it. Busy bays, steady parts orders and regular card batches all count in your favor.
You searched same-day because a lift is down and cars are waiting. The straight answer: fast decisions, and qualified files can be funded in as little as 24 hours. Anything faster depends on your file and your bank.
| Need | Usually covered by |
|---|---|
| Lifts, alignment rack, scan tools, paint booth | Equipment financing |
| Parts accounts and techs' payroll | Working capital |
| Insurance and fleet jobs paying late | Line of credit |
| High card volume at the counter | Merchant cash advance |
For illustration: a body shop billing $120K a month has $60K tied up in insurance claims and needs a new frame machine to take on more work. The owner applies with three months of statements, gets a quick decision, and orders the machine while the claims clear. If gear breaks without warning, see emergency repair funding.
Funding runs from $25,000 to $5,000,000 through our partner Merchant Fund Express. Apply now.
Before you finance a new lift or frame machine, figure out what it adds. How many more cars a week can you take? What does an average ticket bring in? For illustration: if a second alignment rack adds eight jobs a week, that extra revenue should comfortably cover the monthly cost. If the numbers only work on your busiest weeks, consider a smaller request or a line of credit you draw from as needed.
Lucky Credit Pros repairs credit too, but you do not need it to apply and funding does not move your score. Plenty of owners apply on revenue today and clean up their credit on their own schedule.
Yes. Any established automotive service business with steady deposits, ideally $60K or more a month, can apply.
Often, yes. Equipment financing can cover new or used gear depending on the item and your file.
The review is based on deposits that already hit your account. Pending claims help explain a gap but do not show as revenue yet.
It starts with a soft pull, which does not affect your score.
About five minutes. Have your last three months of business bank statements ready.
Yes, if the business shows steady deposits, ideally $60K or more a month. Sole proprietors can apply.
Example uses for illustration only.
Shops can make their file cleaner with a few easy moves.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding