This Is Why You're Here
Why Auto Body / Collisions Come to Us Instead of Their Bank
You need a downdraft paint booth — $85K installed. Without it, you're subletting $8K/month in paint work to the shop down the street.
An insurer added you to their DRP network. OEM certification and equipment upgrades cost $40K. The volume will triple your collision work — but the investment is upfront.
Your frame machine is 15 years old and can't handle newer unibody structures. A new Celette or Car-O-Liner runs $45K. Without it, you're turning away $15K/month in structural repairs.
You've got $92K in completed repairs sitting as insurance receivables. Payroll is $28K on Friday and your parts supplier just cut your credit terms from net-60 to net-30. Cash is locked up in work you already finished.
A hailstorm just hit your area and you're looking at 60+ cars needing PDR and paint. You need $35K in supplies, a temporary paint tech, and booth time — before customers take their cars to the next town.
Insurance companies owed us $87K and we needed a new Car-O-Liner frame machine — $52K. Basecamp set us up with equipment financing and invoice factoring on the same call. Frame machine arrived in two weeks, cash flow problem solved.
Dana W., Collision Center Owner, Tampa, FL
Auto Body / Collision Financing
Get Your Auto Body / Collision Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why Auto Body / Collision Businesses Choose Basecamp
Insurance Receivables Strangle Your Cash
You finished the repair three weeks ago. The insurer still hasn't paid. Meanwhile you've got $30K in parts on your credit line and payroll due Friday. We set up invoice factoring so you get paid in 48 hours, not 60 days.
Paint Booth Installs Can't Wait
A downdraft booth is $85K-$150K installed. Without one, you're subletting $8K a month in paint work to competitors. Equipment financing with the booth as collateral gets you painting in weeks, not months.
OEM Certification Costs Are Front-Loaded
Getting on a Honda or Toyota OEM network means $20K-$50K upfront for tools, training, and welders — before you see a single referral. We fund the certification so you capture the DRP volume that pays it back 10x.
Frame Machine Downtime Kills Structural Work
A 15-year-old Car-O-Liner can't handle newer unibody designs. Every structural repair you turn away is $3K-$8K gone. We finance frame machines in days so you stop sending money to the shop down the street.
Bobby's Take
Bobby's Playbook for Auto Body / Collision
Most auto body and collision shop owners get evaluated like retail businesses by banks — daily cash, inventory turn, walk-in traffic. What banks miss is that insurance Direct-Repair-Program contracts producing $3K-$8K average claim tickets produce a different cash-flow signature, and the lenders who fund body shops know to read it. Service revenue isn't retail revenue. Here's how to position your transaction so the right specialists see it first.
Three things determine whether an auto body collision transaction closes: monthly claim count and average claim ticket, your DRP-network status with major insurers, and shop touch-time efficiency. Not your personal FICO. Not your time in business. Specialist auto body lenders care about whether your monthly insurance receivables support a $2,500-$5,000/month payment — and whether your DRP relationships give the file the recurring contracted-revenue floor it needs.
The biggest mistake auto body operators make: applying without showing DRP-contract revenue separately from non-DRP retail work. The lender sees mixed deposits and applies general auto-trade aging. The fix: separate DRP claim revenue from non-DRP retail repair revenue. Specialist auto body lenders price DRP-contracted work as recurring guaranteed revenue. Generalist lenders apply general aging and underwrite conservatively.
higher-ticket newer-vehicle claims lost to dealer collision centers
Where this gets interesting at scale: an auto body shop adding ADAS calibration, expanding into aluminum repair, or upgrading the paint booth doesn't need ONE loan. They need equipment financing for the new equipment + a working capital line for parts inventory and rental-vehicle float + invoice factoring on slower-paying insurance settlements + sometimes a a revenue-based term loan against existing-shop cash flow to cover a second-location buildout. Four products, multiple lenders, one application — that's how single-shop auto body operators scale into multi-shop regional networks.
The auto body operators who scale fastest aren't the ones who waited for the next DRP contract to be signed before adding ADAS capability. They're the ones who had calibration capacity ready when newer-vehicle claims started flowing through their doors. Turning down newer-vehicle claims because you can't calibrate is $20,000-$50,000 a month in higher-ticket repair revenue going to dealer collision centers. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your auto body and collision business this week.
Bottom line:
Auto body shops get underwritten on general auto-trade aging when DRP-network contracts are recurring guaranteed revenue. Separate DRP from non-DRP retail — that's how a specialist sees the contracted floor.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Auto Body / Collisions Face
Pricing Transparency
What Auto Body / Collision Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
Section 179 Breakdown for Auto Body / Collisions
Finance the equipment. Keep your cash. Take the deduction. Your paint booth costs $39,000 after taxes and you never touched your reserves.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your shop, bay count, and monthly RO volume. No P&L upload yet.
Soft Credit Screen
We pull a soft inquiry only. Your FICO and shop credit stay untouched.
Specialty-Auto Lenders Compete
70+ lenders who fund independent shops, body shops, and tire stores review your file in parallel. You stay on the floor.
One Specialist, Multiple Offers
Your funding specialist walks you through the structures, the trade-offs, and what each costs. No runaround.
Choose Your Offer, Sign, Get Funded
E-signature. Funds hit your shop's account — same day available so the parts truck rolls.
Auto Body / Collision Capital Uses
What Auto Body / Collision Businesses Use Funding For
Lifts & Bay Equipment
Two-post lifts, four-post lifts, alignment racks, tire machines, and brake lathes
ADAS Calibration Systems
Static and dynamic calibration tools for forward-facing cameras, radar, and LiDAR
Paint Booths & Body Equipment
Downdraft paint booths, frame machines, mixing systems, and ventilation
Diagnostic & Scan Tools
OEM-level scan tools, ISTA licensing, J2534 pass-thru devices, and subscriptions
Technician Hiring
Signing bonuses, tool allowances, and payroll bridging for new hires
Shop Expansion
Additional bays, second locations, facility upgrades, and lot paving
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
Need commercial insurance for your auto body / collision business?
Garage keepers liability and general liability are required for most shop financing. InsuranceService365.com covers auto repair shops across 29 states.
Don't Wait Until You Need Funding to Get Funded
The shops that get funded fast are the ones that pre-qualified before the lift went down or the RO backlog stacked up. By the time you're scrambling for a $14K transmission rebuild, your underwriting numbers look stressed. Pre-qualify when the bay's busy — that's when lenders are most generous.
Ready?
See What Your Auto Body / Collision Business Qualifies For
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
Soft-pull pre-qual · No obligation · Estimate only
Other Auto Repair Shops Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Auto Body / Collision Businesses
Working Capital
Cover parts inventory, payroll, and shop expenses. Funded same day.
Learn More →Equipment Financing
Finance lifts, alignment racks, and diagnostic equipment — asset-backed.
Learn More →Business Line of Credit
Draw for parts and supplies as repair orders come in.
Learn More →Revenue-Based Financing
Payments flex with your daily revenue — lower during slow weeks.
Learn More →FAQs
Auto Body / Collision Business Loan FAQs
Auto Body Shop Loans & Collision Repair Financing — $10K to $20M+
Collision repair is a cash flow nightmare by design. You buy $15K in parts, do the repair, submit to the insurer — and wait 30-60 days to get paid. Meanwhile your paint booth needs a filter change, your frame machine is due for calibration, and your best painter wants a raise. That's the reality of running a body shop. And banks don't get it.
We work with collision shops every day. We know a $120K downdraft booth isn't a luxury — it's the difference between subletting paint work and keeping $8K a month in-house. We know OEM certification costs $40K upfront but unlocks DRP volume worth $200K a year. 70+ lenders compete for your business. Invoice factoring turns those 60-day insurance payments into 48-hour cash. One application. No hard pull. Same-day approvals available.
Stop Sending Customers Down the Street. Get Your Auto Body / Collision Shop Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide