The Pinch Points
Why Diesel & Heavy-Duty Shop Owners Come to Us Instead of Their Bank
A diesel shop is a different animal from a corner garage — the lifts are bigger, the diagnostics are pricier, the parts cost more and turn slower, and the customers are fleets that pay a month after the truck's already back hauling freight. These are the spots where we get called.
The Heavy-Duty Lift & Bay
Servicing Class 6–8 trucks needs high-capacity lifts and tall bays — $40K–$120K in lifts and infrastructure a light-duty shop never touches.
The Diesel Diagnostic & Emissions Equipment
Diesel diagnostics, DPF cleaning machines, and emissions equipment run $30K–$80K — the gear that lets you do the work in-house and keep trucks legal.
The Heavy-Duty Parts Float
HD parts are expensive and slow-turning; stocking to keep fleet trucks moving ties up $40K–$120K in inventory.
The Fleet AR Gap
Fleet accounts pay net-30 to net-45; a shop with steady fleet work carries $40K–$150K in receivables on trucks already back on the road.
The Downtime Pressure
A fleet truck down is money lost for the customer; the shops that win the contracts are the ones with the parts and capacity to turn it fast, which costs capital to maintain.
Adding a Bay, Location, or Buying a Shop
Expanding capacity or acquiring a HD shop is a $300K–$1.5M move — equipment, parts, and the fleet-AR float.
What an operator said
“Half our money was tied up in trucks we'd already fixed waiting on the fleets to pay, and the other half was in parts on the shelf. The AR line and a working line freed it all up — we took on two more fleet contracts because we finally had the cash to service them.”
J. Whitfield · diesel & heavy-duty repair · Oklahoma City, OK
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 Diesel & Heavy-Duty Shops
Heavy-Duty Equipment, Heavy §179
The high-capacity lifts, diesel diagnostics, and DPF equipment a HD shop needs are big-ticket buys; financing spreads the cost while §179 writes off the gear in year one.
A Line Against Fleet Receivables
A working line advances against net-30 fleet AR, turning trucks already back on the road into cash now.
Working Capital for the HD Parts Float
An unsecured, revenue-based working line funds the heavy-duty parts inventory that keeps fleet trucks moving.
Revenue-Based Expansion & Acquisition Capital
Add a bay, a location, or acquire a HD shop on revenue-based, capital-stacked financing — not an SBA queue.
Match Your Situation
The Cash-Flow Gaps We Fund for Diesel & Heavy-Duty Shops
Match your situation to the structure. Every one of these funds on the shop's revenue, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Heavy-duty lifts & bay infrastructure | High-capacity lifts and tall bays a light-duty shop never touches | Equipment Financing | $75K–$200K | 3–5 days |
| Diesel diagnostics & DPF/emissions | Diagnostics and emissions gear to work in-house and keep trucks legal | Equipment Financing | $75K–$150K | 3–5 days |
| Heavy-duty parts float | Expensive, slow-turning HD parts stocked to keep fleet trucks moving | Working Capital | $75K–$200K | 1–3 days |
| Fleet AR gap | Net-30 to net-45 receivables on trucks already back on the road | Invoice Factoring | $75K–$300K | 1–2 days |
| Bay, location, or acquisition | Expanding capacity or acquiring a heavy-duty shop | Business LOC | $300K–$1.5M | 1–5 days |
The Products
How Diesel & Heavy-Duty Shop Financing Is Structured
Most diesel files fund between $75K and $5M+, structured around the iron and the fleet 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 | HD lifts, diesel diagnostics, DPF | 3–7 days | Equipment serves as collateral |
| Working Capital | $75K–$5M+ | 6mo–10yr | HD parts float, payroll | 1–3 days | Often unsecured, revenue-based |
| Business LOC | $75K–$5M+ | Revolving | Ongoing parts and bay draws | 1–5 days | Unsecured line, no PG by default |
| Invoice Factoring | $75K–$5M+ | Per invoice | Net-30 fleet receivables | 1–2 days | Invoices secure the line, no PG typically |
Tax Strategy
Section 179 on Heavy-Duty Equipment — 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 diesel shop is a different animal from a corner garage — the lifts are bigger, the diagnostics are pricier, the parts cost more and turn slower, and the customers are fleets that pay you a month after the truck's already back hauling freight. Capital's tied up at both ends, in the equipment and in the AR. The shops that win fleet contracts are the ones with the bays, the parts, and the cash to turn a down truck fast. We fund the equipment, the parts float, and the fleet-AR gap together — and §179 on $176K of heavy-duty equipment hands back roughly $65,120 the year it's in service. Keep the bays full and the down trucks moving — the fleets remember which shop got them rolling again fastest.”
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 a diesel & heavy-duty 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
Diesel & Heavy-Duty Repair Shop Financing
Capital Tied Up at Both Ends
A heavy-duty shop carries cost the corner garage never sees. High-capacity lifts and tall bays to service Class 6–8 trucks, diesel diagnostics and DPF and emissions equipment to do the work in-house and keep trucks legal, and an expensive, slow-turning parts inventory to keep fleet trucks moving. Then the customers are fleets that pay net-30 to net-45, so your money sits in the iron, the parts, and the receivables all at once. Most banks don't know how to value any of it.
One Application, 70+ Lenders
We fund diesel and heavy-duty shops on the shop's revenue — equipment financing on the lifts and diagnostics with §179 on the gear, a working line for the HD parts float, and a line that advances against net-30 fleet AR. One application, 70+ lenders, soft-pull review. Win the contracts, turn the down trucks fast, and let the lenders compete for your business.
Common Questions
Diesel & Heavy-Duty Financing — Questions, Answered
Yes — equipment financing covers the lifts, diagnostics, and DPF gear; §179 writes it off in year one.
Yes — a working line advances against net-30 fleet AR.
Yes — an unsecured, revenue-based line funds the HD parts inventory.
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, parts, and the AR float stacked revenue-based, not an SBA 7(a) loan.
Recommended Funding