Auto Repair working capital & lending

Project-based cash flow (insurance settlements, customer payments). Insurance-heavy shops have predictable revenue but slow-pay cycles. Revenue-based underwriting available — businesses with strong monthly revenue qualify even when credit is imperfect.

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Common uses of capital in auto repair & body shop

Diagnostic equipment + lifts
Paint booth equipment + ventilation upgrades
Parts inventory for major insurance jobs
Bay expansion or second location
Bridge while waiting on insurance settlements

Best-fit lending products for auto repair & body shop

Working capital advance / MCA — bridges insurance-payment cash gaps
Equipment financing — lifts, alignment racks, paint booths
Invoice factoring — for shops with high commercial-account AR

Seasonality & timing: Steady year-round with mild Q4 dip; insurance work spikes after winter storm season.
Qualification benchmark: Shops with $40K+ monthly revenue qualify for $40K-$150K first position. Higher monthly volume opens larger facilities.
Relevant NAICS codes: 811111, 811121, 811122

Other industries we work with

Restaurant & Food Service Medical & Dental Practice Construction & Trades Retail & E-commerce Trucking & Transportation Professional Services Beauty, Salon & Spa

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