Fast
Online application in 5 minutes. Funds deposited the next business day on most products — before your next parts order.
Auto Repair Funding
Auto Repair Shop Funding for Mechanics & Body Shops
Fast, flexible, responsible auto repair business funding from $5,000 to $5,000,000 — funded in as little as 24 hours, with no hard credit pull to apply. Coast Funding has financed mechanic shops, body shops, transmission shops, and tire stores across all 50 states since 2014.
4.8 / 5 on Trustpilot
No Hard Credit Pull
Funded in 24 Hours
Last reviewed: May 12, 2026 · Coast Funding Editorial Team
2014
Funding since
50
States served
$1B+
Deployed to operators
412
Verified reviews
Why Coast Funding
Why Shop Owners Choose Coast
Auto repair shops face funding challenges traditional banks aren't built to solve: expensive lifts and diagnostics, revolving parts inventory, expansion bay build-outs, and the cash flow swings of ticket-driven revenue. Our team has been financing shops since 2014 and approves auto repair business funding based on real-world revenue — not just credit scores.
Flexible
Six funding products built for shops — from $5K bridge advances to $5M equipment financing for a full multi-bay build-out.
Responsible
The only funding partner committed to guiding shop owners to responsible decisions — not just the biggest check.
Funding Options
Auto Repair Funding Options
Whether you need short-term auto repair working capital, equipment financing for a new four-post lift, or revolving credit to stock parts inventory, we have a program built for it.
Equipment Financing
Auto Repair Equipment Financing
$10,000 – $5,000,000 · 2–6 years
Finance two-post and four-post lifts, alignment racks, diagnostic scanners, tire machines, balancers, ADAS calibration, and paint booths with fixed monthly payments.
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Working Capital
Auto Repair Working Capital
$5,000 – $2,000,000 · 3–24 months
Cash upfront to cover payroll, parts, marketing, and slow seasons. Approval driven by recent revenue, not just credit. Sales-based repayment that flexes with the shop.
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Parts Inventory
Parts Inventory Financing
$10,000 – $1,000,000 · Revolving
Revolving credit to stock parts inventory, absorb dealer-direct or warehouse buying, and stop turning down jobs because the part isn't on the shelf.
Explore parts inventory financing →
Line of Credit
Auto Repair Line of Credit
$10,000 – $500,000 · Revolving
Only draw what you need and only pay for what you use. Revolving access with monthly rates starting at 2.99% — perfect for recurring cash flow gaps and large parts orders.
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Term Loan
Auto Repair Term Loan
$10,000 – $1,000,000 · Up to 5 years
Fixed-term capital for shop expansion, additional bays, body-shop build-outs, and remodels. Predictable monthly payments to scale with confidence.
Explore term loans →
Acquisition
Auto Repair Acquisition Loan
$25,000 – $1,000,000
Buy an existing independent shop, franchise, or competitor. Capital combined with working capital and inventory financing for a smooth transition.
Apply for acquisition financing →| Program | Amount | Term | Best For |
|---|---|---|---|
| Equipment Financing | $10K – $5M | 2 – 6 years | Lifts, alignment, diagnostics, paint booths |
| Working Capital | $5K – $2M | 3 – 24 months | Payroll, parts, marketing, slow seasons |
| Parts Inventory Financing | $10K – $1M | Revolving | Stocking parts, dealer-direct buying programs |
| Line of Credit | $10K – $500K | Revolving | Recurring cash flow gaps, rates from 2.99% |
| Auto Repair Term Loan | $10K – $1M | Up to 5 years | Expansion, new bays, acquisition |
All rates, terms, and amounts are illustrative and subject to underwriting, borrower qualifications, and applicable state regulations. Certain programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720.
Your Funding Roadmap
How to Apply for Auto Repair Funding
Three steps. Five minutes to start. No hard credit pull, no application fees.
Complete the application
5-minute online form plus 4 months of business bank statements (or link via Plaid). No fees, no obligation.
Review your offer
A Business Funding Advisor calls you within hours with pre-qualified offers customized to your shop cash flow.
Sign and get funded
Funds can be deposited into your business account in as little as 24 hours after the signed agreement.
$10K+
Minimum monthly gross revenue to qualify for most programs
Auto Repair Qualifications
Approved by Revenue — Not Just Credit
We approve based on revenue performance, time in business, and bank deposit trends — not a credit score in isolation. Here's exactly what underwriting reviews.
Minimum Requirements
- 6+ months in business (3 months for select programs)
- $10,000+ in monthly gross revenue
- U.S.-based business with a business bank account
- Valid government ID, business documentation, and required licenses
What We Review
- Last 4 months of business bank statements
- Daily and monthly RO/card-sales trends
- Bay count, technician headcount, and shop type
- Industry risk factors (mechanic, body, transmission, tire)
Common Use Cases
What Shop Owners Use Coast Funding For
From financing a new alignment rack to expanding from two bays to six, our auto repair clients deploy capital in four recurring patterns.
Lifts & Diagnostic Equipment
Parts Inventory
Shop Expansion
Marketing & Digital
Frequently Asked Questions
Auto Repair Business Funding FAQ
The 10 questions shop owners ask us most.
Can I finance two-post and four-post automotive lifts?
Yes. Lift financing is one of our most common auto repair programs. We finance two-post, four-post, scissor, in-ground, alignment, and heavy-duty truck lifts from $10K to $250K per unit, with terms up to 60 months. New and used both qualify.
How do I finance diagnostic scanners and alignment equipment?
Diagnostic scanners, OEM scan tools, alignment racks, ADAS calibration equipment, and tire balancers all qualify for equipment financing. We can also bundle multiple tools into a single monthly payment, which simplifies cash flow planning.
Is parts inventory financing revolving?
Yes. Parts inventory financing is structured as a revolving line of credit — draw to stock inventory, pay it down as parts turn into invoiced repair orders, and redraw as needed. It's how high-volume shops absorb dealer-direct or warehouse buying programs.
Should I open a body shop, a mechanic shop, or both?
Body shops typically require larger upfront capital — paint booths, frame machines, and DRP relationships — but command higher per-ticket revenue. Mechanic shops ramp faster and require less specialty equipment. Coast Funding finances both with structures tailored to your model.
Can I get capital to add bays or expand my shop?
Yes. Multi-bay build-out financing combines a term loan for leasehold improvements with equipment financing for the lifts, alignment racks, and HVAC. Many clients also pair it with a line of credit for the parts inventory needed to fill the new bays.
Can I get an auto repair loan with bad credit?
Yes. Coast Funding works with shop owners across the credit spectrum. Underwriters weigh recent revenue, bank deposits, and time in business — not just credit scores. Bad-credit borrowers typically qualify for working capital or receivables financing.
How much auto repair funding can I qualify for?
Most shops qualify between $10,000 and $500,000 based on monthly gross revenue. Established multi-bay shops with strong financials can qualify for up to $5 million via equipment financing or term loans.
How fast can an auto repair shop get funded?
Funds are typically deposited the next business day or within 24 hours of signed contracts. Some exclusions apply for funding cut-off times and certain products.
Does applying hurt my credit score?
No. There is no hard credit pull to apply with Coast Funding. A hard inquiry occurs only if a specific product requires it after you accept an offer.
Is Coast Funding licensed?
Yes. Certain Coast Funding programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720. Coast Funding Services LLC is headquartered in San Diego, California.
About This Page
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Industries We Serve
Other Industries We Fund
Coast Funding serves small businesses across these industries and many more.
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