Auto Repair and Dealerships Business Loans

Running a repair shop or dealership means constant pressure to keep bays full, vehicles ready, and customers happy. When cash is tied up in parts, payroll, or inventory, growth can slow down fast. Our auto repair business loan options give you access to working capital for upgrades, marketing, and day-to-day needs, so you can stay focused on running a profitable shop or lot.

Why Auto Repair Shops and Dealerships Choose Business Loans

Auto repair shops and dealerships live with fluctuating revenue, surprise repairs, and large upfront costs. Our small business loans for auto repair shops and dealerships help you bridge those gaps without losing momentum.

Whether you need funds for replacement lifts, diagnostic tools, body shop equipment, or to buy additional vehicles for your lot, we provide fast access to capital with flexible terms. If you need an instant auto repair shop loan to cover parts orders or a dealership acquisition loan instant to secure a new location, our application process is simple, online, and built for busy owners.

With quick decisions, clear terms, and no long bank visits, our loans let you cover expenses, handle slow months, and invest in growth with confidence.

Minimum Requirements for Auto Repair and Dealership Funding

To qualify for an auto repair or dealership business loan, you’ll need to meet these basic criteria:

Minimum Revenue	$10,000 / month
Length in Business	5 months or more
Ownership %	Minimum of 51% Ownership
Personal Credit	US FICO 500+

Types of Auto Repair and Dealership Business Loan Options

Term Loans for Auto Repair Businesses

Term loans provide a lump sum you repay over a fixed schedule. They are ideal for larger projects like adding bays, renovating your shop, or investing in high-end diagnostic equipment. This type of auto repair business loan works well when you know the cost of your upgrade and want predictable monthly payments.

Business Line of Credit for Service Shops

A business line of credit gives you a flexible pool of funds you can draw from whenever you need working capital. Use it to cover parts orders, payroll in slower seasons, or emergency repairs to your own equipment. As you repay what you use, funds become available again without reapplying.

Merchant Cash Advance for Auto Repair and Dealerships

If your shop or dealership processes steady card sales, a merchant cash advance can provide quick funding based on your future revenue. Repayments are taken as a percentage of your daily or weekly card deposits, which can be helpful when your income changes from month to month.

Small Business Loans for Auto Repair Shops

Small business loans for auto repair shops are designed for routine needs like stocking inventory, hiring technicians, or boosting local advertising. These loans help you smooth out cash flow so you can accept more repair jobs, reduce wait times, and maintain high customer satisfaction.

Dealership Acquisition and Expansion Loans

Looking to acquire another dealership, expand your lot, or add a used-car operation to your existing shop? Dealership acquisition loan instant options can provide rapid capital for purchase costs, build-out, and initial inventory. This funding helps you move quickly when a good opportunity appears.

Auto Repair and Dealership Loan Services

We understand the pressures auto repair shops and dealerships face, from rising parts prices to seasonal slowdowns. Our loan services are built around those realities, offering tailored solutions for small garages, collision centers, tire shops, and franchise or independent dealerships.

You can use our financing for working capital, facility improvements, new lifts or diagnostic machines, used-car inventory, or reconditioning costs. The application is straightforward, documentation requirements are reasonable, and approvals come quickly, so you are not waiting weeks for a decision. With clear terms and flexible repayment options, we focus on helping your business stay funded, stable, and ready for growth.

Who We Serve

Frequently Asked Questions

What is the process for getting an auto repair or dealership business loan?

Start by completing our online application with basic information about your shop or dealership. We review your revenue, time in business, and credit profile, then request any supporting documents needed. In most cases, you receive a decision within a few business days, and approved funds are deposited directly into your business account.

What are the repayment terms for an auto repair or dealership business loan?

Repayment terms vary based on the loan type, amount borrowed, and your business profile. Many borrowers choose fixed daily, weekly, or monthly payments that match their cash flow. Your offer will clearly outline the term length, payment schedule, and total cost so you can decide what works best for your business.

Can I apply for a business loan if my credit score is low?

Yes. We work with owners who may not qualify for traditional bank loans. While stronger credit can improve your options, we also consider revenue, time in business, and overall financial health. In some cases, alternative products like merchant cash advances or shorter-term financing may be available.

What are the eligibility requirements for an auto repair or dealership business loan?

You should have at least five months in business, monthly revenue of $10,000 or more, and a minimum 51% ownership stake. A US FICO score of 500 or higher is typically required. Additional factors such as existing debt, bank statements, and industry history may also be reviewed during underwriting.