Auto Repair and Dealerships SBA Loans

Auto shops and dealerships run on steady cash flow parts, inventory, techs, floorplan, and reconditioning all add up fast. Our programs provide SBA loan for auto repair business owners and sba loan car dealership funding so you can keep bays full, lots stocked, and customers on the road without stretching working capital. Whether you focus on service, sales, or both, we help match you with sba car dealership loans that fit how your business runs.

Auto Repair and Dealerships SBA Loans

We work with garages, body shops, tire centers, used lots, and franchise rooftops that need practical access to capital. When you’re looking for small business loans for auto repair shops or longer-term sba car dealership loans, you complete a simple online form, share recent business statements, and review offers designed around your average ticket size, sales cycle, and seasonality.

Funds can be directed toward new lifts, alignment racks, scan tools, signage, online advertising, or acquiring additional units for your lot. Whether you’re focused on service revenue, vehicle sales, or a combination of both, we shape each solution so repayments make sense for your volume and margins.

Minimum Requirements for Business Funding in Auto Repair and Dealerships

To be considered for auto-focused SBA-style financing, your business should meet these minimums:

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

Types of Small Business Loans in Auto Repair and Dealerships

Small Business Loan

A fixed-term loan that can cover lifts, tools, parts inventory, reconditioning costs, and working capital. This structure works well as an SBA loan for auto repair business or small dealership needing predictable monthly payments.

Merchant Cash Advance

Financing that looks at card deposits and bank activity to advance funds today. Helpful when you must grab a discounted parts order, repair a key piece of equipment, or buy auction vehicles before retail customers pay.

Business Line of Credit

A revolving credit line you can pull from for day-to-day needs parts, body materials, towing, or short-term wholesale opportunities then pay down as repair tickets close and vehicles are sold. This can sit alongside a larger sba loan car dealership package.

Collateral Loans

Loans secured by shop equipment, tools, or saleable vehicles. Using these assets as backing can increase how much you can borrow and for how long, supporting remodels, extra bays, or lot expansion with structured sba car dealership loans.

Bad Credit Business Loans

Programs for owners whose credit profile has been hit by slow months, high reconditioning costs, or past closures. These options focus on stabilizing cash flow and preparing the business for stronger SBA-style terms over time.

Auto Repair and Dealership Loan Services

Our lending approach is tailored to the rhythm of the auto world busy weekends, seasonal lulls, and changing demand for certain vehicles and services. We pay close attention to how money flows through your bays and showroom, then align repayment schedules to that pattern. The goal is to support your shop or dealership, not strain it.

Capital can be used to refresh waiting areas, upgrade signage, improve your website, subscribe to better shop management or CRM tools, or expand reconditioning capacity. Whether you’re a single-location repair shop or a growing group of rooftops, we work to make small business loans for auto repair shops and sba car dealership loans straightforward to access.

Who We Serve

Frequently Asked Questions

What is the process for getting an auto repair or dealership SBA-style loan?

You complete a short online form, provide recent bank statements and basic business details such as average monthly sales, number of bays, or units sold and we review your file. From there, we present options that may include a small business loan for auto repair shops, an SBA loan for auto repair business structure, or sba loan car dealership style funding. Once you select an option, we finalize documents electronically and arrange funding so you can address inventory, equipment, or working capital needs quickly.

What can I use an auto repair or dealership business loan for?

Financing can go toward parts inventory, special tools, lifts, diagnostic machines, reconditioning, shop remodels, digital marketing, signage, vehicle purchases for your lot, or general operating cash. Many owners also refinance older, high-cost debt into a single, more manageable payment.

Can I qualify if my shop or dealership has only been open a short time?

Newer operations may still qualify if they meet basic revenue and credit benchmarks. When reviewing a younger business, we consider owner experience, local market, existing customer traffic, and early sales trends not just age alone.

What documents are needed for SBA-style auto repair or dealership funding?

Most lenders will ask for bank statements, proof of ownership, identification, and sometimes tax returns or basic financials. For dealership-focused offers, a list of current inventory or floorplan details may also be requested. Having these ready can help speed up approval for sba car dealership loans or shop-focused funding

Auto Repair and Dealerships SBA Loans