Funding for auto repair & service, built around your cash flow.
Shim Capital gets auto shops, body shops and service centers $25,000 to $5,000,000 in working capital — fast, flexible, and structured around how your business actually earns. Use it for equipment, parts inventory, bay expansion and payroll.
See What You Qualify For →Every kind of capital, one quick application
Most lenders push one product. We structure across the whole market and match auto shops, body shops and service centers to what actually fits — then move fast.
How funding works for auto-repair shops
Auto shops are equipment- and parts-heavy — lifts, scanners, alignment racks, and a parts inventory all cost money up front, while fleet and insurance customers often pay on terms. We fund shops on their revenue so you can buy the equipment that wins bigger jobs and cover parts before the customer pays.
What auto-repair shops use it for
Buying or upgrading lifts, scanners, and diagnostic equipment, stocking parts and tires, covering tech payroll between large fleet invoices, adding bays or a second location, or marketing to win more local work.
Why it fits
Approvals in 24 hours so a broken alignment rack doesn't cost you a week of jobs, with repayment that flexes to your deposits. $25,000 to $5,000,000, no collateral — your revenue matters more than your credit score.
Ready to fund your auto repair business?
Apply in 2 minutes · Approvals in as little as 24 hours · No collateral · All credit welcome
Get My Funding →Auto Repair & Service funding by state
We fund auto shops, body shops and service centers nationwide. Find your state:
Frequently asked questions
How much funding can a auto repair business get?
Shim Capital arranges $25,000 to $5,000,000 for auto shops, body shops and service centers, sized to your monthly revenue and cash flow — most offers land between 50% and 150% of a typical month's deposits.
How fast is approval?
Approvals come in as little as 24 hours, and funds can reach your account the same day once your last 3–4 months of business bank statements are in.
Do I need good credit or collateral?
No collateral required, and all credit is welcome. We underwrite primarily on your business's revenue and deposit history — not just a FICO score.