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Working capital loans for auto repair & service

Short-term funding for payroll, rent, inventory and other everyday costs. Shop owners use Credible Lending working capital loans to add a lift or bay or buy EV and ADAS diagnostic tools, with 3 to 18 months and decisions in 4–6 hours.

Apply nowAbout working capital loans
See what you qualify forStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your advisor.

$10K$5M
How long have you been in business?
What's your average monthly revenue?

Total deposits into your business account in a typical month.

What's your personal credit score?

An estimate is fine. Applying won't affect your score.

Where should your advisor reach you?

We'll use this only for your application.

Working capital loans for shop owners
Amount$10K – $2M
Term3 to 18 months
SpeedDecisions in 4–6 hours
PaymentsDaily or weekly
Best forPayroll, rent, inventory and seasonal swings

Common uses in auto repair & service

  • Add a lift or bay
  • Buy EV and ADAS diagnostic tools
  • Stock common parts
  • Upgrade shop software

Why shop owners choose a working capital loan

Diagnostics keep changing

Newer vehicles need newer tools. Finance them against the equipment.

Parts are cash up front

A line of credit covers parts for big jobs until the customer pays.

Bays are revenue

Every added lift is capacity you can sell.

How does a working capital loan work?

  1. 1

    Apply with basic business details and recent bank statements.

  2. 2

    We review revenue and cash flow, not just your credit score.

  3. 3

    Choose from offers with different amounts and terms.

  4. 4

    Funds land in your account, often the same day.

What do I need to qualify?

  • 1 year in business
  • $10K+ in monthly revenue
  • 625+ FICO score
Check my options

Other funding for shop owners

Questions, answered

Something else on your mind? Ask an advisor.

Can shop owners qualify for a working capital loan?
Yes. Most Credible Lending programs look for at least one year in business, $10,000 or more in monthly revenue and a 625+ credit score. We review auto repair & service financials with the industry's cash-flow patterns in mind.
How fast can I get a working capital loan?
Decisions typically come within 4–6 hours of a complete application, and funding often follows the same or next business day.
What documents do I need?
Usually a short application and your last three to four months of business bank statements.
Can I finance diagnostic equipment?
Yes. Diagnostic tools, lifts, alignment machines and paint booths all qualify for equipment financing.

Ready when your business is.

Apply in about three minutes with a soft credit check. You'll hear back the same day.

Apply nowTalk to an advisor