Direct In-House Options
Explore qualifying funding programs provided directly through Funderial.
Automotive Repair Business Funding
Auto Repair Business Financing Built to Keep Every Bay Moving
Explore financing options up to $5 million for inventory, equipment, payroll, shop improvements, expansion, real estate, and other automotive business needs.
Funderial considers real business performance-not only your credit history.
- Operating for at least 3 months
- Generating $10,000 or more in monthly revenue
- No minimum credit score
- No hard credit pull to review options
Available throughout the United States. Reviewing your options does not guarantee approval.
Proven Funding Support for U.S. Businesses
Funderial combines direct in-house funding with access to a broader range of financing solutions for qualified operating businesses.
$2 Billion+Funded Nationwide
15+ YearsIn Business
20,000+Businesses Helped
No MinimumCredit Score
No Hard Credit PullTo Review Options
As Featured In
Direct Funding with More Ways to Finance
Direct Funding First. More Automotive Financing Options When Needed.
Funderial provides direct in-house funding for qualified operating businesses,
including automotive repair shops with consistent revenue and credit-card sales.
When direct funding is not the right structure, our team can help you review additional solutions for equipment, inventory, working capital, expansion, receivables, debt refinancing and commercial real estate.
We consider the performance and needs of your business-not only your credit history-to help identify financing options aligned with how your shop operates.
Multiple Financing Solutions
Compare different structures based on your revenue, timeline and intended use of funds.
Automotive-Focused Matching
Identify solutions for equipment, recurring inventory, cash flow, property and long-term growth.
Dedicated Funding Support
Work with a funding specialist who can explain your available options and next steps.
Check My Automotive Funding Options
No minimum credit score. No hard credit pull to review your options.
Financing for Real Repair-Shop Needs
Put Funding to Work Across Your Entire Shop
From recurring supplies to major expansion projects, automotive repair financing can help your business stay stocked, equipped and ready for the next vehicle.
Parts, Fluids and Inventory
Purchase engine oil, coolants, brake fluid, filters, tires, batteries, replacement parts and other supplies needed to complete repairs without unnecessary delays.
Equipment and Diagnostic Technology
Purchase, replace or lease vehicle lifts, diagnostic scanners, ADAS calibration systems, alignment racks, tire changers, air compressors, paint booths and specialized tools.
Payroll, Hiring and Training
Support technician payroll, recruit skilled employees and invest in safety, certification, EV, hybrid and modern diagnostic training.
Shop Repairs and Improvements
Renovate service bays, improve lighting or ventilation, update customer areas, repair essential systems and modernize your facility.
Expansion and Acquisition
Add service bays, open another location, acquire an operating repair business or purchase qualifying commercial property.
Working Capital and Existing Obligations
Cover rent, utilities, insurance, marketing, seasonal cash-flow gaps, delayed commercial payments or qualifying existing business debt.
Check My Automotive Funding Options
Explore available solutions without a minimum credit score or hard credit pull.
Funding Solutions
Automotive Repair Financing Options Built Around Your Business
Every repair shop has different equipment, inventory, cash-flow and growth requirements. Funderial can help qualified operating businesses compare financing options based on their revenue, timeline and intended use of funds.
01
Working Capital and Inventory Financing
Access capital for parts, fluids, filters, tires, batteries, payroll, rent, utilities, insurance, marketing and other recurring operating expenses.
02
Business Line of Credit
Use revolving access to capital when your shop needs it. Draw funds for qualifying expenses and only pay for the amount used.
03
Equipment Financing and Leasing
Purchase, replace or lease essential automotive equipment without paying the entire cost upfront.
04
Business Term Loans
Receive a lump sum with structured repayment terms for planned investments and larger business projects.
05
SBA Financing
Qualified established businesses may use SBA-backed financing for long-term projects.
06
Credit Card Split and Revenue-Based Funding
Access upfront capital using financing structures connected to business revenue or card-sales performance.
07
Accounts Receivable Financing and Invoice Factoring
Use eligible unpaid business invoices to access working capital.
08
Commercial Real Estate and Acquisition Financing
Access specialized financing for automotive property, facility expansion or acquisition.
09
Business Debt Consolidation and Refinancing
Combine or replace qualifying business obligations with a financing structure designed to simplify payments.
10
Business HELOC and Other Secured Options
Eligible business owners with available equity may access secured capital for equipment, renovation, expansion or other approved business purposes.
Not Sure Which Option Fits Your Shop?
Tell us about your automotive business and intended use of funds. Our team can help identify options that may align with your needs.
Check My Automotive Funding Options
No minimum credit score. No hard credit pull to review options.
Businesses We Support
Financing for Automotive Repair and Service Businesses
Funderial supports operating automotive businesses across the United States, from independent neighborhood garages to specialized and multi-location service companies.
General Automotive Repair ShopsAuto Body and Collision Repair ShopsAutomotive Paint ShopsOil Change and Preventive Maintenance CentersTire and Wheel ShopsWheel Alignment ShopsTransmission Repair ShopsDiesel and Heavy-Duty Repair ShopsAuto Glass Repair and Replacement ShopsExhaust and Muffler Repair ShopsRadiator and Cooling-System SpecialistsBrake and Suspension Repair ShopsElectrical and Diagnostic SpecialistsEV and Hybrid Service CentersMobile Mechanics and Mobile Service BusinessesFleet Maintenance and Commercial Vehicle RepairPerformance and Restoration ShopsFranchise and Multi-Location Service CentersDon't see your exact specialty? Operating automotive service businesses may still be considered based on revenue, business activity and the requested financing solution.
Check My Automotive Funding OptionsSimple Eligibility Review
See If Your Automotive Business May Qualify
Funderial reviews real business activity, revenue and funding needs-not only the owner's credit history.
3+ Months in Business
Your automotive business must be actively operating for at least three months.
$10,000+ Monthly Revenue
The business must generate at least $10,000 in average monthly revenue.
No Minimum Credit Score
There is no stated minimum credit score required to review available options.
No Hard Credit Pull
Reviewing your initial funding options does not require a hard credit pull.
Operating U.S. Business
The business must be actively operating within the United States.
Active Business Bank Account
A business checking account is required to review business revenue and transaction activity.
Credit-card sales note: Credit- or debit-card sales are not required for every financing product. Consistent card-processing activity may help unlock Credit Card Split Funding, Merchant Cash Advance and other revenue-based options.
What You May Need
Documentation requirements vary by product and requested amount. Applicants may be asked to provide:
Recent business bank statementsBusiness and owner identificationBusiness formation or registration informationEquipment quote or vendor invoiceAccounts receivable aging reportBusiness financial statementsTax returnsProperty or acquisition documentsExisting financing statementsCheck My Automotive Funding Options
Meeting the minimum requirements does not guarantee approval. Some financing products may require additional time in business, higher revenue, collateral, financial documentation or other qualifications. Available products, amounts, rates and repayment terms depend on underwriting and the applicant's complete business profile.
From Funding Request to Available Options in Four Steps
Tell us about your automotive business, provide the required information and review financing options that may fit your revenue, intended use of funds and business goals.
01
Submit Your Funding Request
Complete the automotive funding form with basic information about your business, monthly revenue, requested amount and intended use of funds.
02
Provide Business Information
Securely submit recent business bank statements and any additional documents required for the requested financing product.
03
Review Your Options
A Funderial funding specialist will review your business profile and explain the available financing structures, requirements and next steps.
04
Select an Available Solution
Choose an approved option that aligns with your business needs. Funding timelines will depend on the selected product, completed documentation and final approval.
Financing Support Built Around How Your Repair Shop Operates
Repair shops manage recurring inventory, expensive equipment, skilled payroll and unpredictable customer demand. Funderial helps qualified operating businesses review financing options aligned with those real-world requirements.
Direct In-House Funding
Explore qualifying funding programs provided directly through Funderial.
More Financing Options When Needed
Compare additional solutions for working capital, equipment, receivables, expansion, property and other business needs.
Options Up to $5 Million
Review financing options ranging from short-term operating capital to larger equipment, acquisition and commercial real estate requirements.
No Minimum Credit Score
Your initial options are not restricted by a stated minimum credit-score requirement.
No Hard Credit Pull
Review available options without a hard credit inquiry.
Automotive-Focused Product Matching
Match recurring supplies, equipment, property and cash-flow needs with relevant financing structures.
Dedicated Funding Specialists
Receive help understanding available products, documentation requirements and potential next steps.
Nationwide Business Support
Available to qualified operating automotive businesses throughout the United States.
Trusted by Business Owners Across the United States
Business owners turn to Funderial for direct funding, flexible financing options and dedicated support throughout the review process.
“Working with Funderial was easy as 1,2,3. Friendly staff very professional. I would reccomend for all your business needs.”
“Michael listened to what I needed, then worked with my situation to get it done. He even went to bat for me to get my loan refinanced before I was eligible to. I’d highly recommend working with him regardless of your needs.”
“You guys are very efficient… Awesome! I am very thankful to Funderial for always being there for me and my business. They have been helping me for the last few years and I know I can count on them whenever I have a need for quick capital.
Their process is efficient and reliable. Daniel took care of my business in a very professional, consultative manner. I am a customer for life. Thank you Funderial!”
Questions About Automotive Repair Business Financing
Learn more about eligibility, available financing options, credit review, permitted uses and the funding process.
Funderial works with operating automotive repair and service businesses throughout the United States. This may include general repair shops, collision centers, paint shops, tire and alignment businesses, transmission specialists, diesel repair shops, mobile mechanics, fleet-maintenance providers and other automotive service businesses.
Your automotive business must be actively operating for at least three months, generate at least $10,000 in average monthly revenue, operate in the United States and maintain an active business checking account.
No. There is no stated minimum credit score required to review available options.
Reviewing your initial funding options does not require a hard credit pull.
Qualified businesses may explore financing options up to $5 million. Available amounts depend on underwriting, completed documentation and the applicant's complete business profile.
Financing may support parts, fluids, filters, tires, batteries, payroll, rent, utilities, equipment, shop improvements, expansion, acquisition, property and other approved business needs.
Available solutions may include working capital, business lines of credit, equipment financing and leasing, term loans, SBA financing, revenue-based funding, invoice factoring, commercial real estate financing, debt consolidation and secured options.
Credit- or debit-card sales are not required for every financing product. Consistent card-processing activity may help unlock Credit Card Split Funding, Merchant Cash Advance and other revenue-based options.
Yes. Equipment financing and leasing may be used to purchase, replace or lease vehicle lifts, diagnostic and ADAS systems, alignment and tire equipment, paint booths, compressors, service vehicles and other essential equipment.
Qualified businesses may review specialized financing for purchasing an existing repair shop, acquiring commercial property, constructing a new facility or adding service bays.
Funding timelines depend on the selected product, completed documentation, underwriting and final approval.
Requirements vary by product and requested amount. Applicants may be asked for business bank statements, identification, registration information, equipment quotes, receivables reports, financial statements, tax returns, property documents or existing financing statements.
The current minimum requirement is at least three months of active business operation. A new startup that has not yet met that requirement would not meet the stated minimum criteria.
Available products, amounts, rates, costs and repayment terms depend on underwriting, completed documentation and the applicant's complete business profile.
FAQ disclosure: The answers above provide general information and do not represent a guaranteed offer of financing.
Learn More About Funderial Financing Solutions
Review financing products that may support your automotive business's immediate operating requirements and long-term growth plans.
Equipment Financing
Purchase or lease automotive equipment while preserving working capital for other business essentials.
Explore Equipment Financing →
Business Line of Credit
Access revolving funds for recurring inventory, emergency expenses and temporary cash-flow gaps.
Explore Business Lines of Credit →
Business Term Loans
Use structured financing with predictable payments for planned investments and larger projects.
Explore Business Term Loans →
SBA Loans
Explore SBA-backed financing for qualifying expansion, equipment, acquisition and commercial real-estate requirements.
Explore SBA Financing →
Invoice Factoring
Turn eligible unpaid commercial invoices into working capital without waiting for the complete customer-payment cycle.
Explore Invoice Factoring →
Real Estate Financing
Review specialized financing for purchasing, refinancing or improving qualifying commercial property.
Explore Commercial Real Estate Financing →
See Which Financing Options May Fit Your Automotive Business
Tell us about your operating automotive business, revenue and intended use of funds. Our team will review the information and help identify financing options that may align with your business profile.
Financing options up to $5 million- Operating businesses with at least 3 months in business
- Minimum monthly revenue of $10,000
- No minimum credit score
- No hard credit pull to review options