A repair shop pays for parts today and gets paid when the car leaves. A revolving line is meant for that rhythm. Here is what it can cover and where it stops being useful.
Apply Now →A customer drops off a truck at 8:00. By 10:00 the diagnosis is done and the parts order goes in. The part arrives after lunch and the invoice from the parts house lands with it. The customer picks up the truck the next day and pays. In between, the shop has fronted the cost of the part and paid a technician for the hours.
Multiply that by every bay, every day, and you can see why a repair shop's bank balance moves much more than its profit does. A line of credit is a tool built around that rhythm: draw when you buy, repay when the customers pay.
It is not a fit for a $60,000 alignment rack on its own. That is a one-time equipment purchase and is usually better matched to equipment financing. Use the line for the recurring swings.
For illustration only: a three-bay shop spends $14,000 on parts in a heavy week, but customers and a fleet account pay only $9,000 of that in the same week. The shop is $5,000 short with payroll due. A draw of $5,000 covers it, and when the fleet account pays three weeks later the draw is repaid. The same shop is in trouble only if it draws every week and never gets back to zero.
These are invented numbers to show the mechanism. They are not our terms, rates or what any shop should expect.
| Pattern | What it tells you |
|---|---|
| Draw, repay within a few weeks, draw again | The line is smoothing timing, which is its job |
| Balance climbs and never falls | Costs exceed income; the problem is margin, not timing |
| Draws always land the week a particular customer is late | Credit control on that account needs fixing |
Before you apply, glance at your last few busy and slow weeks. If you can point to a recurring dip, a line fits. If the shop is losing money on jobs, funding delays the problem rather than solving it.
We fund $25,000 to $5,000,000, funded in as little as 24 hours, with a 5-minute application and a soft credit pull. Sole proprietors can apply, and many repair shops are one-owner operations. Start the application when you are ready.
When you review an offer, ask how repayment is collected, whether you pay on the amount you use or on the whole amount, and what the total cost comes to. Our figures are not shown here because they depend on your business, so do not use any number from this page as a quote.
It depends on the need. A line suits repeating parts and payroll swings. A single large equipment purchase is usually better matched to equipment financing.
Yes. Sole proprietors can apply, and the application takes about 5 minutes with a soft credit pull.
That helps, but terms still end. A line covers the days between the supplier due date and when your customer or fleet account pays.
Draw what the immediate shortfall needs, not the full limit. Smaller, shorter draws are easier to repay from the next few jobs.
Our funding starts at $25,000. A smaller gap may be better handled with a supplier arrangement.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
