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Funding Guide

Business Funding
For Auto Repair Shops.

Flexible funding solutions to keep your shop running smoothly—no matter what pulls into the bay..

Purchase inventory and parts before the job is paid.

Purchase, repair, or upgrade crutial equipment and tools.

Bridge the gap when payments are tied up in approvals.


LET'S TALK GET FUNDED

Let's Get Down To Small Business

Under $10,000
$10,000-$20,000
$20,000-$50,000
$50,000-$100,000
$100,000-$150,000
$150,000-$300,000
$300,000+
Working capital
Buy equipment
Inventory
Cover payroll
Job materials
Consolidate debt
Other reason
0-6 months
6-12 months
1-2 years
2-5 years
5+ years
Today
Within 24-48 hours
Sometime this week
Within 1-3 weeks
I'm in no rush

đź”’ Pre-qualification will not affect your credit score.

No Application Fees.

We'll never charge you a fee to apply—or for any other “just because” reason.

No Lengthy Paperwork.

An application, statements, and you're done. Funding without a pile of forms.

No Collateral Needed.

You won't have to back your funding. Keep your assets where they belong.

No Personal Guarantee.

Most of our options are secured only by your business revenue—not by you.

Running a repair shop means managing fast-moving parts, high-ticket equipment, and unpredictable customer flow. Whether you're waiting on insurance payouts, covering rising parts costs, or trying to replace a busted lift, one delay can stall your entire shop.

That's where we come in. At Capitalize Funding, we offer fast, flexible funding to help auto repair businesses handle daily operations and seize growth opportunities. Whether you run a small garage or a multi-bay facility, we've got the tools (and the capital) to keep your business in motion.

Reliable Funding Solutions For Auto Repair Shops.

Why Auto Repair Shops Trust Capitalize Funding.

Running an auto repair shop means keeping your garage running efficiently in a industry where costs hit hard and fast. Parts must be ordered before customers pay, labor needs to stay consistent, and equipment can break down at the worst possible time.

At Capitalize, we understand how unpredictable cash flow can be in the automotive world. That's why we offer funding options tailored for repair shops—so you can cover gaps, handle emergencies, and focus on keeping your bays full. With funding as fast as 24-hours, we help you stay on the road.


SHIFT INTO OVERDRIVE

We Know How To Turn A Wrench

Parts ordered before the job's paid, insurance claims that crawl, and a Monday morning full bay that turns into a ghost town by Wednesday. Our funding is built for your reality.


Funding That Doesn't "Buff Right Out"

Slow weeks, slammed weeks, a fleet account that pays net-60, a walk-in with a blown transmission—your cash flow never looks the same twice. Our funding flexes with your rhythm, not against it.


On The Lift When You Need Us

A compressor doesn't die at a convenient time and neither do cash flow problems. When something breaks, we pick up the phone and get you answers fast—no appointment needed, no waiting room.


Like A Warranty That Never Expires

As your shop grows, your services expand, and you start thinking bigger—second location, specialty work—we'll be right there with you. Whenever you need us, no matter how big or how small.

How Auto Repair Shops Put
Funding To Work For Them.

In auto repair, it's common to spend money before you make it. Parts, labor, and tools all cost upfront—and insurance delays or slow-paying customers can cause serious gaps. That's why repair shop owners turn to flexible funding to keep things running smoothly.

Here are some of the most common ways auto repair companies use funding:



Purchasing Parts Upfront

Parts need to be ordered before the car leaves the lift—but customers and insurers often delay. Funding gives you the cash to order what you need, when you need it.

Upgrading or Expanding Shop

Ready to take on more volume or offer new services? Funding helps you expand your space, add bays, or invest in new tech without draining reserves.

Covering Payroll Costs

Even during slow weeks or delays, your techs still need to get paid. Business funding ensures payroll never stalls, even when customers do.

Repairing or Replacing Equipment

Lifts, scanners, compressors—when they go down, so does your revenue. Funding helps you fix or replace essential equipment fast.

The Funding Process For Auto Repair Shops.

Applying for funding is fast and hassle-free. We know you don't have time to chase paperwork—so we've streamlined the process. Whether you're covering parts, payroll, or an urgent equipment repair, we'll help you secure the capital you need.

Get started today and keep your shop running smoothly and stay focused on the work in front of you.

Step 1: Complete Your Funding Application

Complete your funding application and submit your most recent business bank statements.


Step 2: Get Approved For Funding

Our team will review your file and present you with funding options tailored to your needs.


Step 3: Receive Your Funds Fast

You'll receive your funding in less than 24 hours directly into your business bank account.

The Smartest Funding Options For Auto Repair Shops.


Business Line Of Credit

Access to revolving capital on-demand. Draw funds when needed and only pay interest on the amount you borrowed. Credit replenishes as you repay.

LEARN MORE

Working Capital Loan

Keep your business running smoothly with short-term funding designed to take care of the day-to-day operational expenses, such as payroll, rent, etc.

LEARN MORE

Cash Flow Funding

Smooth out the gaps in your cash flow or bridge slow payments with funding designed to match the way your billing cycle works.

LEARN MORE

Merchant Cash Advance

Funding that's tied to your revenue, rather than tied to a rigid repayment schedule. Payments adjust according to your business' performance.

LEARN MORE


Explore our full suite of business funding products.

Keep Your Auto Repair Shop Moving With Funding That Shows Up.

Parts get ordered today. Payroll hits Friday. And the customer who “just needs brakes” turns into a full suspension surprise before lunch.

When the bays are full but cash flow is lagging, funding can keep you moving without forcing you to put jobs on hold. We help auto repair shops cover parts orders, equipment repairs, and everyday overhead so you're not waiting on customer payments to keep the doors open.

Clear options, quick movement, and a process that doesn't waste your time.


GET BACK ON THE ROAD
A pink piggy bank standing in front of bottles of motor oil and a funnel.



Still have questions? Check out our funding FAQs or contact us to speak with an advisor.

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