“Needed a new lift and diagnostic scanner — $25K total. Bank wanted 3 years of tax returns. Basecamp Funding funded me in 48 hours. I added a bay and my weekly output went up 30%.”
★★★★★ — Tony R. . Independent Shop . 4 Bays . Denver, CO
See What You Qualify For
Find Out What You Qualify For in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Your Application Gets Matched Across 70+ Lending Partners Including
Multiple lenders compete for your business — you pick the best offer
Auto Repair Shop Loans & Equipment Financing — $10K to $5M+
Basecamp Funding connects independent mechanics, body shops, and service centers with over 70 lending partners specializing in auto repair business loans. Whether you need equipment financing for ADAS calibration systems and paint booths, working capital for payroll and parts inventory, a business line of credit for diagnostic subscriptions and supplies, or an SBA loan for shop acquisition — we match you with the best rates and terms available.
Independent mechanics, collision and body shops, tire shops, transmission specialists, quick lube operators, diesel and heavy equipment shops, mobile mechanics, fleet service providers, EV and hybrid specialists, and classic restoration shops trust Basecamp Funding for fast, flexible capital. From a $12K lift replacement to a $1.2M multi-shop acquisition — one 60-second application, no hard credit pull, no minimum credit score.
Most auto repair loan approvals happen within hours. Same-day funding is available on select products. Stop waiting on banks that don't understand bay revenue, ADAS investment cycles, and seasonal repair volume — let 70+ lenders compete for your business.
Sound Familiar?
Why Auto Repair Shops Come to Us Instead of Their Bank
ADAS calibration is the future of auto repair. The equipment costs $45K-$80K. Without it, you're sending $3K-$5K/month in revenue to the shop down the street. Your bank doesn't know what ADAS is.
Your two-post lift failed inspection. Replacement and installation is $12K. You've got a full week of appointments booked. Every day without that lift costs $1,500 in lost revenue.
You want to add a paint booth for a body shop expansion. Total cost: $120K including ventilation, booth, and mixing systems. Your SBA application has been 'in review' for 6 weeks.
You hired two new techs to handle the backlog. Payroll jumped $14K/month but revenue won't catch up for 60 days. You need bridge capital.
Your diagnostic software subscription went from $200/month to $2,400/year per bay. With 6 bays, that's $14,400/year — and the manufacturer requires upfront annual payment.
You've been in business 11 months. Revenue is $25K/month and growing fast but every lender wants 2 years of history.
If any of this sounds familiar, you're exactly who we built this for.
Get Your Options →“The ADAS system paid for itself in 4 months. Basecamp funded $62K in 5 days. My bank didn't even know what ADAS calibration was.”
★★★★★ — Tony R., Body Shop Owner, Ohio
Why Us
Why Auto Repair Shops Choose Us Over Banks
We built our process around the way auto repair shops actually operate — not the way banks wish you did.
We Understand Bay Utilization Economics
An empty bay is lost revenue forever. Banks don't get that adding a lift pays for itself in 90 days. Our lenders fund shop equipment based on throughput, not collateral.
ADAS and EV Upgrades Can't Wait
Modern vehicles need calibration tools and EV-rated equipment. Banks want 3 years of tax returns. Our lenders fund technology investments based on current revenue.
Parts Inventory Doesn't Require Collateral
Stocking fast-moving parts in-house improves margins and turnaround time. Our lenders fund inventory buildup without requiring an appraisal or lien on your stock.
Hiring Mechanics Shouldn't Drain Reserves
Skilled techs want signing bonuses and competitive pay. Our lenders fund staffing investments so you can hire the talent that keeps bays turning.
Slow Weeks Don't Mean Denial
January is half as busy as April. Banks see declining deposits and panic. Our lenders understand auto repair seasonality and approve through the slow periods.
We Fund Expansion Without a Business Plan
Adding bays, opening a second location, or paving the lot takes capital now. Our lenders fund growth based on your proven shop revenue, not projections.
The average auto repair shop needs $75,000 in equipment upgrades to service modern vehicles
— Automotive Service Association
80% of independent shops report difficulty hiring qualified technicians — capital for competitive pay is critical
— TechForce Foundation
Shops that add ADAS calibration services see revenue increase by 15-25% within the first year
— Collision Industry Electronic Commerce Association
Free Tool
What Can Your Auto Repair Shop Business Qualify For?
Enter your monthly revenue, time in business, and industry to see your estimated approval range and recommended products. No credit pull.
Avoid These
5 Funding Mistakes That Cost Auto Shops the Most
"Ignoring ADAS"
Advanced Driver Assistance Systems calibration is required on 80%+ of vehicles after 2020. Shops without ADAS equipment are already losing $3K-$5K/month in sublet work. A $60K ADAS system at 8% over 4 years costs $1,465/month — less than the revenue from 2 calibrations.
"Deferring equipment maintenance"
A $4K compressor repair deferred becomes a $15K replacement when it fails mid-week. Preventive equipment financing costs less than emergency replacements.
"Using MCA for shop equipment"
A $40K MCA at 1.35 factor rate costs $54K over 8 months. Equipment financing for the same amount at 9% APR over 4 years costs $48K total with payments 60% lower.
"Not tracking bay revenue"
If each bay generates $800-$1,200/day, one idle bay = $5K-$7K/week lost. Equipment that gets a bay operational is an investment, not an expense.
"Underestimating diagnostic tool costs"
Modern vehicles require manufacturer-specific diagnostic subscriptions ($2K-$5K/year per brand). Budget $15K-$25K/year for multi-brand coverage.
“Lift failed Monday. Had funding by Wednesday. New lift installed by Friday. Zero lost revenue.”
★★★★★ — Mark P., Auto Repair, Pennsylvania
How We Compare
How We Compare
Not all funding sources are created equal. Here's how we stack up against your other options.
Funding by Shop Size
How We Fund Auto Shops at Every Stage
Single Bay / 1-3 Techs
Common Needs
Working capital, equipment financing
24-48 hours
Mike's Auto Care, 2-tech shop in Arizona — needed $18K for a new two-post lift and alignment machine after the lift failed inspection. Funded in 36 hours.
Multi-Bay Shop / 4-10 Techs
Common Needs
Line of credit, equipment financing, working capital
24-72 hours
Precision Collision, 6-bay body shop in Georgia — $95K for ADAS calibration equipment and a new frame machine. Dealer wanted 20% down. Funded with 10% down in 5 days.
Multi-Location / 10+ Techs
Common Needs
SBA loans, term loans, large equipment financing
1-3 weeks for complex financing
Valley Auto Group, 3 locations — $1.2M to acquire a competing shop and consolidate operations. SBA 7(a) closed in 26 days.
Funding Built for Your Shop
Whether you're a single-bay operator or running multiple locations, we match you with the right product and amount.
Growing Businesses
$10K – $500K
Revenue-based funding for working capital, equipment, and growth. Most businesses fund in 1–3 days.
See What You Qualify For →Established Businesses
$500K – $5M
Term loans, SBA loans, and large equipment financing for businesses with $500K+ monthly revenue.
See What You Qualify For →Commercial & Complex Financing
$5M – $10M+
Business acquisitions, commercial real estate, and structured financing. Dedicated commercial lending team.
Request a Financing Review →Pricing Transparency
What Auto Repair Funding Actually Costs
Most lenders hide the real cost behind jargon. Here's what businesses actually pay.
Rates and terms vary by credit profile, revenue, and time in business. These are typical ranges for auto repair shops in our network.
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Application
Answer a few quick questions about your business. No documents needed yet.
Soft Credit Check
We check your options with zero impact on your FICO. Your score stays untouched.
Lenders Compete Behind the Scenes
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
One Specialist, Multiple Offers
A single funding specialist calls you with your best options. No spam calls. No runaround.
Pick Your Offer & Get Funded
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Use Your Capital For
How Auto Repair Shops Use Basecamp Funding
Lifts & Shop Equipment
Two-post lifts, four-post lifts, alignment racks, tire changers, balancers. Upgrade without draining reserves.
Diagnostic Tools & Software
OBD scanners, ADAS calibration, shop management software. Stay current with modern vehicle tech.
Facility Expansion
Add bays, build a waiting room, pave the lot, open a second location. Grow your capacity.
Parts Inventory
Stock fast-moving parts in-house. Reduce wait times, improve margins, turn jobs faster.
Hiring & Payroll
Recruit skilled mechanics with signing bonuses. Cover payroll during slow weeks. Invest in ASE training.
EV & Hybrid Readiness
EV-rated lifts, high-voltage tools, charging infrastructure, technician certification. Future-proof your shop.
Marketing & Customer Acquisition
Google Ads, Yelp, social media, direct mail, referral programs. Fill your bays with the right jobs.
Debt Consolidation
Refinance predatory MCAs, high-interest loans, or vendor debt into one manageable payment.
Tow Truck or Service Vehicle
Add a tow truck, mobile service van, or customer shuttle. Expand your reach and revenue.
“11 months in business and they still approved $30K based on my monthly deposits. No bank would even talk to me.”
★★★★★ — Jessica L., Independent Mechanic, Virginia
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
🚫 These Can Be Deal-Breakers
Before You Apply
What to Have Ready
Having these speeds up your approval. Don't have everything? Start anyway — we'll guide you.
✓3 months of bank statements
PDF download or online banking credentials
✓Business checking account
Must be a dedicated business account
✓Valid business license or EIN
Proof your business is registered
✓Government-issued ID
Driver's license or passport
✓Outstanding debt details
Existing loans, MCAs, or credit lines
✓Approximate monthly revenue
Doesn't need to be exact
The EV Revolution Won't Wait for Your Shop to Catch Up
EVs and hybrids are filling your parking lot whether you're ready or not. New diagnostic tools, EV-rated lifts, high-voltage certifications — shops that invest now will own the next decade. A pre-approved credit line costs nothing until you draw it. Be ready when the opportunity hits.
No credit impact · No obligation · 60 seconds
See What You Qualify For
See What You Qualify For. No Credit Impact. No Obligation.
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Recommended Products
Recommended Loan Products for Auto Repair Shops
The most popular funding types for auto repair shops businesses. Each links to a detailed product page.
Equipment Financing
Finance lifts, alignment racks, ADAS calibration tools, and diagnostic scanners.
View Product Details →Working Capital Loans
Stock parts, cover payroll during slow weeks, and handle emergency shop expenses.
View Product Details →Business Line of Credit
Draw funds for parts inventory and vendor orders as jobs come through the door.
View Product Details →Term Loans
Finance a shop expansion, second location, or major facility renovation.
View Product Details →Financing by Shop Type
Every auto business. Click yours for tailored options.
Need commercial insurance for your auto repair shops business?
Our partner Direct Insurance Services covers auto repair shops businesses across 29 states.
FAQs
Auto Repair Shop Loan FAQs
Carlos M.
Shop Owner | San Antonio, TX
“Upgraded to ADAS calibration equipment — $95K financed with the equipment as collateral. Now I’m the only shop in town that can handle newer vehicles.”
Your Shop Shouldn't Close a Bay Because You're Short on Capital
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide