Funding for auto repair shops
Parts go on account with short terms, and the car sits on the lift until the customer calls back to approve. Your bays can be full all week while your cash is in parts on the shelf, in a collision ticket waiting on an insurer, and in a scan tool subscription that just renewed. That is why this page starts with what you already own.
General repair · Collision and body · Transmission · Tire and alignment · Diesel and fleet · Quick lube · EV and hybrid service
Our funding partner, ROK Financial
Your bank knows one of them. If it said no, you likely still qualify under another. That is not a pitch, it is how lending is structured.
This one is weighed against the deposits from finished tickets, not against your credit report, and your score is not the gate. It is the path for a parts bill that came due before the customer ever called back to approve the job.
Typical: 4+ months in business · $10K+ monthly sales · no minimum credit score
On this path your credit profile does the work that deposits do on the first one. A line is there for tooling that bills on its own schedule, a scan tool subscription or calibration software renewing in the same quarter, and nothing is charged on the part of the line you left sitting.
Typical: 6+ months in business · 600+ FICO for a line of credit
This page leads with this path for a reason. A lift, an alignment rack or a calibration rig is financed on the equipment itself, so nothing here turns on how long the doors have been open, and tools the shop has finished paying for can be used to raise cash for something else.
Typical: 580+ FICO · no minimum time in business for equipment
ROK Financial's published criteria. Not a commitment to lend.
On what you own
Financing for the machinery, vehicles or technology a business runs on, either to buy new gear or to borrow against gear you already own outright. It is the most forgiving option on time in business: there is no minimum, because the equipment itself carries the file.
May vary based on equipment type. ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
On your revenue
Cash against the money already moving through your bank account. It is the fastest option on this page and the one with no credit score floor, because it is underwritten on your deposits rather than your FICO. Use it for materials, payroll, rent or a job you need to start before you get paid for the last one.
ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
On your credit
A pool of money you draw from when you need it and pay interest only on what you actually use. Pay it back and it is available again. It suits a business whose gaps come and go rather than one that needs a single lump sum.
ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
Takes 15 seconds
Three questions here, then you finish a short secure application. Checking your options is a soft pull and does not affect your credit score. A hard inquiry may be required at final approval.
When you submit, we send your first name, email address and monthly sales range to ROK Financial so they can work your request. Nothing else leaves this page. Privacy Policy
We're Funding Access Platform, an independent funding referral service. We work with auto repair shops because a bank cannot see the cars sitting in your bays, only the parts bill you already owe on them. This is funding for the shop, not financing for your customer's repair bill.
We don't lend money ourselves. We pass your request to ROK Financial, an A+ rated, BBB accredited marketplace that has funded over two billion dollars in business financing, and their team works your options across all three paths.