Business Funding for Auto Repair Shops & Dealerships
From diagnostic equipment to floor plan financing, automotive businesses need flexible capital. VACA Funding provides fast funding for auto repair shops, body shops, and dealerships — often funded within 24 hours.
Get Pre-Approved in Minutes
$2M
Max Funding
24 hrs
Funding Speed
95%
Approval Rate
500+
Min. Credit Score
Why Auto Repair Businesses Need Alternative Funding
The automotive repair and dealership industry requires significant capital investment — from diagnostic equipment and lifts to inventory and parts. Traditional banks often struggle to understand the unique cash flow patterns of automotive businesses, making alternative funding essential.
Best Funding Products for Auto Repair Businesses
Equipment Financing: Finance lifts, diagnostic machines, alignment equipment, and shop tools with up to 100% LTV.
Merchant Cash Advance: Get immediate working capital repaid as a percentage of daily sales. Perfect for managing parts inventory and payroll.
Working Capital Loans: Cover operational expenses, expand your shop, or hire additional technicians.
Floor Plan Financing: For dealerships needing inventory financing for used car lots.
Auto Repair Funding Qualifiers
- 3+ months in business
- $10,000+ monthly revenue
- Active business bank account
- Credit score 500+
- US-based business
- No open bankruptcy