This Is Why You're Here
Why Quick Lube / Oil Changes Come to Us Instead of Their Bank
You want to convert a traditional bay to a quick lube pit system — $25K for the pit, equipment, and fluid dispensing. The conversion doubles your oil change throughput.
Synthetic oil costs jumped 18% this quarter. You need $15K to pre-buy inventory at current pricing before the next increase hits.
A competing quick lube closed. Their customer base is available but you need $30K to market, hire 2 techs, and extend hours to capture the volume.
Your fluid dispensing system is leaking transmission fluid everywhere — $8K repair. You're hand-pouring every oil change, which adds 10 minutes per car. At 25 cars a day, that's losing 4 hours of throughput daily.
You want to add a second location across town — lease deposit, equipment, and inventory total $65K. The area has 12,000 registered vehicles and zero quick lube shops within 3 miles.
Converted a dead bay into a quick lube pit — $25K total. Basecamp funded it in 3 days. That single pit does 22 oil changes a day now. Paid for itself in under two months.
Ryan K., Quick Lube Owner, Phoenix, AZ
Quick Lube / Oil Change Financing
Get Your Quick Lube / Oil Change 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 Quick Lube / Oil Change Businesses Choose Basecamp
Throughput Is Everything in Quick Lube
You live and die by cars per hour. A pit conversion doubles your oil change speed. A second bay adds 20 cars a day. But banks call a $25K pit loan 'too small to bother with.' We fund the small investments that drive big volume.
Fluid Price Spikes Kill Your Margins
Synthetic oil costs jumped 18% this year. Your margins were already tight at $45-$65 per oil change. Pre-buying $15K in inventory at current pricing protects your margins for the next quarter. We fund bulk buys fast.
POS and Scheduling Systems Drive Repeat Business
A $5K-$10K POS upgrade with automated text reminders brings customers back 30% more often. It's the best ROI in the quick lube business. But it's hard to justify writing a check for software when rent is due. We finance it.
Competitor Closures Are Time-Sensitive Opportunities
A quick lube down the street just closed. Their 800 monthly customers need a new spot — but only for about 60 days before habits change. You need $30K for marketing, hiring, and extended hours now. Not next month.
Bobby's Take
Bobby's Playbook for Quick Lube / Oil Change
Most quick lube and oil change operators get evaluated like retail businesses by banks — daily cash, inventory turn, walk-in traffic. What banks miss is that $40-$80 average tickets across 60-100 cars per day per bay produces a different cash-flow signature, and the lenders who fund quick lube operators 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 a quick lube transaction closes: cars-per-day throughput, ticket attach rate (oil change plus filter, fluids, wipers), and your vehicle-data integration. Not your personal FICO. Not your time in business. Specialist quick lube lenders care about whether your monthly volume revenue supports a $1,500-$3,500/month payment — and whether your throughput and attach rate prove you can absorb new bay capacity into actual customer-count growth.
The biggest mistake quick lube operators make: applying with revenue reported per-customer instead of per-bay-utilization. The lender sees small per-transaction amounts and underwrites to the low ticket. The fix: report bay utilization (cars per bay per hour) alongside ticket count. Specialist quick lube lenders price high-throughput bays as predictable. Generalist lenders see $50 oil-change tickets and miss the volume model.
second-location revenue lost to delayed financing
Where this gets interesting at scale: a quick lube operator adding a bay, expanding into oil-change-plus-tire-rotation services, or opening a second location doesn't need ONE loan. They need equipment financing for the new bay equipment + a working capital line for oil and filter inventory + sometimes a a revenue-based term loan against existing-location revenue to cover a second-location build-out. Three products, three lenders, one application — that's how single-bay quick lubes scale into multi-bay multi-location quick-lube chains.
The quick lube operators who scale fastest aren't the ones who waited until the next location was fully scoped before securing financing. They're the ones who had financing pre-structured so they could break ground on the second location the moment a real-estate opportunity opened. Every quarter you delay opening the next location is $40,000-$80,000 in incremental customer-count revenue. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your quick lube business this week.
Bottom line:
Quick lubes get priced on $50 oil-change tickets when bay utilization is the actual model. Report cars-per-bay-per-hour — that's how a specialist sees the high-throughput bays as predictable volume.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Quick Lube / Oil Changes Face
Pricing Transparency
What Quick Lube / Oil Change 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 Quick Lube / Oil Changes
Finance the equipment. Keep your cash. Take the deduction. Your quick-lube pit system costs $22,750 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.
Quick Lube / Oil Change Capital Uses
What Quick Lube / Oil Change 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 quick lube / oil change 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 Quick Lube / Oil Change 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 Quick Lube / Oil Change 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
Quick Lube / Oil Change Business Loan FAQs
Quick Lube Loans & Oil Change Business Financing — $10K to $500K+
Quick lube is a throughput game. You're doing 20-40 oil changes a day at $45-$65 each. Margins are tight. Speed is everything. And the investments that actually move the needle — a $25K pit conversion, a $10K POS system with automated reminders, bulk fluid inventory — are exactly the ones banks don't want to fund. 'Too small,' they say. Meanwhile that pit conversion does $200K a year in revenue.
Here's what we see every day. Synthetic oil costs jump 18% and your margins evaporate overnight. A competitor closes and you've got 60 days to capture their customers before habits change. Your fluid dispensing system is leaking and the repair is $8K. These aren't big loans. But they're urgent. And they matter. 70+ lenders who fund quick lube operations. Working capital for inventory. Equipment financing for pit systems and fluid dispensers. One application, no hard pull, funded in days.
Stop Sending Customers Down the Street. Get Your Quick Lube / Oil Change Shop Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide