Equipment Financing for Auto Repair
Manu helps auto repair owners across the United States get matched with the right lender — fast. Pre-qualify in minutes through Manu's partner application — access a 75+ lender network with real, competitive offers, no hard credit check.
How auto repair businesses use this financing
Common uses of funds:
- Lifts, alignment machines, scan tools, and AC service equipment
- Parts inventory and core deposits
- Build-out, bay expansion, and signage
- Working capital for warranty/insurance claim bridges
Typical loan size: Auto repair shop loans typically range from $25K to $400K, with full shop acquisitions reaching $1.5M.
Seasonality: Demand is fairly steady year-round with spikes around state inspection deadlines and summer/winter weather changes.
Most common reason for decline: Auto repair shops are often declined for under-2-years operating history or for ASE certification gaps.
Best-fit products for auto repair: Equipment Financing, SBA Loans, Lines of Credit.
Capital use cases for auto repair businesses
- Shop equipment: A $25K–$200K equipment loan funds lifts, alignment machines, scan tools, and AC service gear, repaid over 3–5 years.
- Bay expansion: A $50K–$400K SBA or term loan funds a build-out and added bays to increase daily car capacity.
- Parts & claim bridge: A $25K–$100K line of credit funds parts inventory and bridges warranty or insurance-claim receivables.
Funding options for auto repair businesses
Why Auto Repair owners choose Manu
How auto repair business loans work with Manu
Ready to fund your Auto Repair business?
Get matched with offers in minutes — no hard credit check.
See My OffersAuto Repair Equipment Financing by state
Other industries we fund
Other funding options for auto repair businesses
Frequently asked questions
What kind of business loans can Auto Repair owners qualify for?
Through Manu's partner application, auto repair owners can access small business loans ($10K–$10M), SBA 7(a) and 504 loans ($50K–$5M), business lines of credit, equipment financing, merchant cash advances, accounts receivable financing, and inventory lines. Terms are tailored to your revenue and time in business.
How fast can a Auto Repair business get funded?
Lines of credit and merchant cash advances can fund the same day for qualifying auto repair businesses. Small business loans and equipment financing typically fund in 1–3 business days. SBA loans take 4–10 weeks due to government underwriting.
What credit score do I need for Auto Repair financing?
Minimum FICO depends on the product: equipment financing starts at 550, small business loans at 580, lines of credit at 600, and SBA loans at 660. Merchant cash advances and accounts receivable financing have no minimum FICO — they're underwritten on revenue and receivables instead.
Will applying hurt my credit score?
No. Pre-qualification uses a soft credit check that does not affect your credit score. A hard pull only happens if you accept a final offer from a lender.
What documents do Auto Repair businesses need to apply?
To pre-qualify, you'll share basic business information plus your most recent 3 months of business bank statements. To finalize an offer, most lenders ask for 3–6 months of bank statements in total. Larger loans may also require tax returns or financial statements.
Sources & references
Loan-product criteria, funding-speed ranges, and credit-score thresholds on this page are validated against current lender requirements and the following primary sources: