Industry funding
Auto Repair business funding
Capital for repair shops and dealers: lifts, diagnostic tools, parts inventory and expansion.
Written and reviewed by the BFG Funds Editorial Team · Updated October 15, 2026
Why auto repair businesses need flexible funding
Auto repair shops depend on specialized equipment and a steady parts inventory. Adding a bay, upgrading diagnostic tools for newer vehicles or covering a slow month all take capital that should not come out of payroll.
Common challenges
- Expensive lifts and diagnostic equipment
- Parts inventory tied up on the shelf
- Keeping up with newer vehicle technology
- Seasonal demand changes
Funding options that fit auto repair
Equipment Financing
Finance machinery, vehicles or tech using the equipment itself as collateral.
$20K – $2M · 2–5 business days
Learn moreWorking Capital
Cover payroll, inventory and seasonal gaps with fast, unsecured short-term funding.
$30K – $750K · 24–48 hours
Learn moreBusiness Line of Credit
Draw only what you need, when you need it. Revolving capital that refills as you repay.
$10K – $500K · As fast as 24 hours
Learn moreTerm Loan
A lump sum with fixed payments and clear terms for planned expansion or big purchases.
$50K – $2M · 2–5 business days
Learn moreAuto Repair funding FAQ
Can I finance diagnostic equipment with fair credit?
Often yes, sometimes with a down payment. Because the equipment secures the financing, lenders can be more flexible than with unsecured loans.
Tell us about your business
A few details are all we need to start. A funding specialist will look at what your business needs and come back with the options that fit — usually the same business day. There's no obligation.
- Checking your options won't affect your credit
- You talk to one specialist, not a call center
- Many decisions come within 24 to 48 hours