This Is Why You're Here
Why Independent Shops Come to Us Instead of Their Bank
Your two-post lift failed inspection. A new lift installed is $12K. Every day it's down costs $1,500 in lost bay revenue. Your bank wants 3 weeks to process a $12K loan.
You want to add ADAS calibration capability — $60K for the equipment. You'd be the only independent shop within 10 miles offering the service. Your bank doesn't know what ADAS is.
Your best tech got poached by a chain shop offering a $5K signing bonus. You need $8K to match the offer and cover a tool allowance — today, not next month.
Your parts supplier is offering 20% off if you prepay $22K in fast-movers for the quarter. That's $5,500 in savings — but you don't have $22K sitting in your account with payroll due Friday.
Three cars are waiting for AC compressors and your wholesale account is maxed out. You need $6K in parts by tomorrow or those customers go to the dealership and don't come back.
Needed $42K for a new Autel ADAS system and a four-post lift. Bank wanted two years of docs. Basecamp got me funded in 3 days — added a new service lane and revenue jumped 35% the first quarter.
Marco D., Independent Shop Owner, Raleigh, NC
Independent Shop Financing
Get Your Independent Shop 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. 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
Built for Your Business
Why Independent Shop Businesses Choose Basecamp
Scan Tool Subscriptions Drain Cash
OEM diagnostic subscriptions run $2K-$5K per brand per year. You're covering Bosch, Autel, and OEM portals just to read codes on modern cars. We fund annual subscriptions so you're not writing $15K checks every January.
Bay Downtime Kills Indie Shops
A failed lift shuts down a bay. Dealerships have spare capacity. You don't. Every idle bay day is $1,200-$1,500 gone forever. We fund emergency equipment in 48 hours so you're not losing a week of revenue.
Competing for Techs Without Corporate Budgets
Chain shops offer signing bonuses, tool allowances, and benefits packages you can't match out of pocket. We fund $5K-$15K hiring packages so you keep the talent that keeps your bays full.
Parts Inventory Ties Up Your Float
Stocking fast-movers in-house saves 30% versus ordering per-job. But $20K sitting on shelves is $20K not covering payroll. A line of credit lets you stock smart without starving cash flow.
What You're Up Against
The Real Challenges Independent Shops Face
Pricing Transparency
What Independent Shop Funding Actually Costs
Rates vary by credit, revenue, and time in business. These are typical ranges.
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 Independent Shops
Finance the equipment. Keep your cash. Take the deduction. Your alignment rack costs $29,250 after taxes and you never touched your reserves.
— Bobby Friel, Basecamp Funding - Founder
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
Your funding specialist presents 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.
Independent Shop Capital Uses
What Independent Shop 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 independent shop 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
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
Ready?
See What Your Independent Shop 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
No hard credit pull · No obligation · Estimate only
Other Auto Repair Shops Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Independent Shop 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
Independent Shop Business Loan FAQs
Independent Auto Repair Shop Loans & Mechanic Business Financing — $10K to $5M+
Look — you opened your own shop to do things right. Better repairs, honest pricing, no service advisor upselling brake flushes on a 6-month-old car. But running an indie shop means you're funding everything yourself. A two-post lift is $12K installed. An Autel MaxiSys Ultra runs $5K. OEM scan tool subscriptions hit $2K-$5K per brand per year. And that's before payroll, rent, and the parts inventory sitting on your shelves.
Here's the thing. Your bank doesn't understand why a $45K ADAS calibration system pays for itself in 90 days. They don't get bay utilization math. We do. We match indie shops with 70+ lenders who fund equipment, working capital, and hiring packages daily. One 60-second application. No hard credit pull. Most owners hear back the same day. If you've got a bay sitting empty because you can't afford the lift — that's the problem we fix.
Stop Waiting on Banks. Get Your Independent Shop Business Funded Today.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide