The Pinch Points
Why Collision Shop Owners Come to Us Instead of Their Bank
A collision shop is a lender to insurance companies whether it wants to be or not — you do the repair, front the parts and labor, then wait weeks for the carrier to pay. These are the spots where we get called.
The Insurance Reimbursement Gap
You front parts and labor on a repair, then wait net-30 to net-60+ for the carrier to pay — a busy shop can carry $75K–$300K in insurance receivables on jobs already finished.
The Parts Float on a Repair
A single collision repair can mean $5K–$25K in parts ordered and paid for before the supplement is approved and the carrier reimburses.
The Paint Booth & Frame Investment
A modern downdraft booth and frame bench run $80K–$200K — the table stakes to do quality work and turn cars fast.
The ADAS Calibration Mandate
Late-model collision work requires ADAS calibration equipment and targets — $30K–$80K — or you sublet the work and lose the margin.
The DRP Volume Squeeze
Direct-repair program volume is good for the schedule but hard on cash — more jobs means more parts and labor fronted before the carrier settlements catch up.
Adding a Location or Buying a Shop
A second location or acquiring a collision shop is a $400K–$2M move — booth, equipment, and the AR float of an active job board.
What an operator said
“Our money was always tied up in cars we'd already fixed, waiting on the insurance checks. The AR line freed it up — we stopped slow-walking parts orders, and our cycle time dropped enough that the DRPs started sending us more work.”
R. Castellano · collision center · Tampa, FL
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Collision Shops
A Line Against Insurance Receivables
A working line advances against your net-30+ insurance AR, turning finished repairs into cash so the next job's parts are never a cash decision.
Equipment Financing With §179
Finance the booth, frame bench, and ADAS setup — §179 writes off the gear the year it's in service, and the equipment secures the line.
Working Capital for the Parts Float
An unsecured, revenue-based working line fronts the parts on a repair before the carrier approves the supplement.
Revenue-Based Expansion & Acquisition Capital
Add a location or acquire a shop on revenue-based, capital-stacked financing — equipment and the AR float in one structure, not an SBA queue.
Match Your Situation
The Cash-Flow Gaps We Fund for Collision Shops
Match your situation to the structure. Every one of these funds on the shop's revenue and the work you've already done.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Insurance AR gap | Net-30 to net-60+ carrier receivables on finished jobs | Invoice Factoring | $75K–$500K | 1–2 days |
| Parts float on a repair | Parts ordered and paid before the supplement is approved | Working Capital | $75K–$200K | 1–3 days |
| Paint booth & frame bench | Modern downdraft booth and frame bench, six figures | Equipment Financing | $75K–$250K | 3–5 days |
| ADAS calibration setup | Calibration equipment and targets to keep the work in-house | Equipment Financing | $75K–$150K | 3–5 days |
| Second location | Booth, equipment, and AR float for expansion | Business LOC | $400K–$2M | 1–5 days |
The Products
How Collision Shop Financing Is Structured
Most collision files fund between $75K and $5M+, structured around the booth and the insurance AR. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Equipment Financing | $75K–$5M+ | 3yr–7yr | Booth, frame bench, ADAS calibration | 3–7 days | Equipment serves as collateral |
| Invoice Factoring | $75K–$5M+ | Per invoice | Net-30+ insurance receivables | 1–2 days | Invoices secure the line, no PG typically |
| Working Capital | $75K–$5M+ | 6mo–10yr | Parts float, payroll | 1–3 days | Often unsecured, revenue-based |
| Business LOC | $75K–$5M+ | Revolving | Ongoing parts and supplement draws | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on a Booth & ADAS Setup — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“A collision shop is a lender to insurance companies whether it wants to be or not — you do the repair, front the parts and the labor, and then wait weeks for the carrier to pay, all while running a booth and a frame bench and ADAS gear that cost as much as a house. The shops that grow are the ones that don't let the reimbursement gap or the equipment bill cap how many jobs they can take. We fund both — a line against the insurance AR, and equipment financing on the booth and calibration setup where §179 hands back roughly $72,150 on a $195K package. Front the next job without flinching, and let the carrier's net-30 be their problem, not yours.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between an auto body / collision file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Auto Body & Collision Shop Financing
You're Already Lending to the Carriers
A collision shop finishes the repair, hands back the keys, and then waits — net-30, net-60, sometimes longer — for the insurance carrier to settle. In the meantime the parts and labor on that job were paid out of your pocket, and the next car on the board needs the same treatment. A busy shop can have six figures sitting in receivables on work that's already done, while a modern booth, frame bench, and ADAS calibration setup are the cost of staying in the carrier networks at all.
One Application, 70+ Lenders
We fund collision and body shops on the shop's revenue — a line that advances against your net-30+ insurance AR so finished repairs turn into cash, working capital that fronts the parts before the supplement clears, and equipment financing on the booth and ADAS setup with §179 working on the gear. One application, 70+ lenders, soft-pull review. Front the next job without flinching and let the lenders compete for your business.
Common Questions
Auto Body / Collision Financing — Questions, Answered
Yes — a working line advances against your net-30+ carrier AR on finished jobs.
Yes — equipment financing covers the booth, frame bench, and calibration gear; §179 writes it off the year it's in service.
Yes — an unsecured, revenue-based line fronts the parts before the supplement is approved.
Signed application, four months bank statements, P&L, balance sheet, two years returns; losses → four months statements. Soft credit pull only — zero FICO impact to see your range.
Yes — equipment and the AR float stacked revenue-based, not an SBA 7(a) loan.
Recommended Funding