Small Business Loans for Auto Repair Shop Owners

Running an auto repair shop means paying for parts, labor, and rent long before a big job gets paid. A transmission rebuild might take a week to finish but a month to get paid for, especially when an insurance company or fleet account is involved. Meanwhile, payroll is due, suppliers expect payment, and the next customer is already pulling into the parking lot. Expansion Capital Group provides small business loans for auto repair shop owners who need to close that gap so the shop can keep moving instead of waiting on cash flow.

Apply for Funding
Small Business Loans for Auto Repair Shop

Why Auto Repair Shop Owners Choose ECG

Auto repair shops often face cash flow gaps between finishing a large job and actually receiving payment from a supplier account, an insurance claim, or a fleet client on 30- or 60-day terms. Meanwhile, payroll doesn't wait, parts suppliers want to be paid on delivery, and rent is due whether or not last week's invoices have cleared.

Banks often focus first on credit history. We start by understanding how your auto repair shop performs today. If your bays stay busy, your customers keep coming back, and your shop has steady revenue, that tells an important part of the story.

Expansion Capital Group evaluates your business revenue and cash flow instead of relying only on your credit score, giving established shops with less-than-perfect credit the opportunity to be evaluated on the full picture.

Applying doesn't mean you're on your own. You'll work with a dedicated funding advisor who can answer questions, explain what information is needed, and help guide you through the application process. We use a soft credit pull when checking your eligibility, so exploring your options won't affect your credit score.

Small building icon with cash flow, customer satisfaction and bar graphic thought bubble

40,000+

small businesses who have received funding from us

Stacked coins icon with a dollar sign

$1.5 Billion+ 

in funded dollars to small businesses

Bar graph icon with arrow pointing upwards and gear symbol with dollar sign

30 Minute

decision usually provided when applying for funding 

Calendar icon with dollar sign surrounded by an arrow.

Same Day*

funding possible once approved

What Can You Do with an Auto Shop Loan or Funding?

  • circle icon

    Equipment Purchase

    Lifts, diagnostic scanners, alignment machines, and other shop equipment wear out or fall behind the technology in newer vehicles. Funding lets you buy or upgrade equipment now instead of waiting years to save up, helping you keep more bays operating and avoid turning away profitable repair work.

  • circle icon

    Expansion or Renovation

    Adding a bay, redoing a cramped waiting room, or opening a second location all take upfront cash most shops don't have sitting around. Financing covers the buildout so you can grow your auto repair business on your own timeline instead of your bank account's timeline.

  • circle icon

    Inventory

    Keeping common parts, fluids, and supplies on hand means fewer delays and fewer customers waiting on a part that had to be special-ordered. Funding helps you stock up before a busy season instead of scrambling during one.

  • circle icon

    Payroll and Staffing

    A skilled technician is hard to replace and harder to find. Working capital helps you make payroll on time, bring on extra help during peak months, or cover overtime when business is strong without putting additional strain on your cash flow.

  • circle icon

    Training & Certification

    New vehicles bring new systems, from hybrid drivetrains to advanced driver-assist sensors. Staying current matters across the auto repair industry, where new vehicle technology moves faster than most shops can train for. Funding for training and certification keeps your team qualified to work on what's rolling into your shop, not just what was common ten years ago.

Funding Options for Auto Repair Shops

Every shop's situation is different, so ECG offers multiple financing options depending on your auto repair shop’s needs. 

Pricing, terms, and available financing options depend on your shop's revenue, time in business, and overall eligibility. Your funding advisor can answer your questions, explain the application process, and help make sure your application is ready for review. If financing is available, they'll walk you through the available terms and answer any questions before you decide whether to move forward.

Business Loan or Funding

Support your general business needs with a business loan or funding from Expansion Capital Group.

Business Loan or Funding

Revenue-Based Financing

Revenue-based financing is a performance-based approach to flexible financing. Explore this alternative to traditional loans with Expansion Capital Group.

Revenue-Based Financing

Equipment Leasing

Equipment leasing empowers businesses to expand their operations and preserve finances by providing access to equipment with a fixed term and periodic payments.

Equipment Leasing

Accounts Receivable Factoring

Accounts receivable financing through Expansion Capital Group provides your business with cash flow based on a percentage of an unpaid invoice.

Accounts Receivable Factoring

What Small Business Owners Say About ECG

See what small business owners are saying about their experience with Expansion Capital Group, rated 4.4 out of 5 on Trustpilot.

<
Trustpilot

FAQs

Ready to Explore Your Funding Options?

Checking your eligibility only takes a few minutes and won't affect your credit score. A funding advisor can review your business, answer your questions, and explain the financing options that may fit your shop. There's no obligation to move forward.

Apply for Funding

The statement that "funding can occur as fast as the same day" describes the fastest possible timeline and is neither typical nor guaranteed. Actual timing depends on the completeness of your application, ECG's review, the transfer method used, and the processing and cutoff times of your financial institution, which are outside ECG's control. Submitting an application does not guarantee approval, funding, or any particular terms.

<