Capital for repair shops — Mechanic Advance
For auto repair shop owners who need money for equipment, payroll, or repairs, with one request and lender matches.
No borrower fee. Soft pull only.
4.9 Excellent · 3,200+ reviews via Big Think Capital- RO volume
- bay count
- lift install
- scan tool
- alignment rack
- parts margin
- tech hours
- card batch
Automotive repair shop financing
Lifts, scan tools, payroll gaps, and auto shop equipment leasing when you want to keep cash on hand.
- EQUIP Auto shop equipment leasing Keep cash for payroll while you lease lifts, scanners, and racks.
- LINE Repair shop credit line Draw when payroll, parts, or repairs hit the same week.
- SBA SBA shop loan Longer terms for bays, buildouts, and staff hires.
- CASH Merchant cash advance Short-term capital for urgent bills when speed matters most.
- $10K-$500K Typical request size
- 1 soft pull Initial credit check
- 24-72 hrs Match window
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
Three steps to a lender review
Tell us the amount, use, and shop details. We route one request to lenders that work with auto repair shops.
Soft-pull first
- One inquiry starts the review.
- No borrower fee to submit.
Built for shops
- Equipment, payroll, or repair gaps.
- Newer and older shops both fit.
Fast lender match
- See options in one request.
- Many files move in 24-72 hours.
Banks miss shop cash flow patterns
Repair shops run on parts timing, card batches, and labor hours, not neat monthly receipts. Banks often stop on age of equipment, thin collateral, or one rough month.
Old lifts, strong books
Banks can balk when an 8-year-old lift or a cash-heavy shop does not fit a clean underwriting box.
Short tax or payroll gaps
A small lien, late filing, or uneven payroll can stop a bank even when the shop keeps working.
Owner file is too thin
Banks may want high scores, long time in business, and a perfect paper trail before they move.
Sample requests from similar shops
These illustrative composites show the kinds of requests partner lenders review: lift buys, payroll gaps, and refinance requests tied to steady bay traffic.
Independent shop owner
Bought a two-post lift and a scan tool set before a state inspection rush.
Two-bay owner
Covered payroll and parts while waiting on a fleet account to pay.
Brake and tire shop
Refinanced older debt and added a service writer for evening intake.
Busy metro repair shop
Handled engine rebuild parts and tire inventory after a cold-weather rush.
Other ways shops cover gaps
Compare auto repair shop SBA loan options, auto repair shop invoice factoring, and auto repair shop refinance paths if you need different terms or speed.