This Is Why You're Here
Why Tire & Alignments Come to Us Instead of Their Bank
Winter tire season starts in 6 weeks. You need $40K in inventory — snow tires, studs, and TPMS sensors — before the first snowfall drives demand.
Your alignment machine is 12 years old and can't handle newer ADAS-equipped vehicles. A new Hunter system runs $55K. Every misaligned ADAS vehicle you turn away is $300-$500 in lost revenue.
A fleet company wants you to service 45 trucks — tires, rotations, and alignments monthly. You need $25K in commercial tire inventory and a second alignment bay to handle the volume.
Your tire changer and balancer are both 10+ years old and can't handle run-flats or low-profile performance tires. Replacement set is $18K. You're sending 5-6 customers a week to a competitor because your equipment mangles their wheels.
Michelin offered you preferred dealer pricing — 12% below retail — but only if you commit to $55K in quarterly inventory minimums. The margin boost is huge but you don't have $55K liquid.
Winter was 6 weeks out and I needed $45K in snow tire inventory plus a $55K Hunter alignment system. Basecamp lined up both — equipment financing for the Hunter and a LOC for seasonal inventory. Best decision I made all year.
Carlos M., Tire Shop Owner, Milwaukee, WI
Tire & Alignment Financing
Get Your Tire & Alignment 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 Tire & Alignment Businesses Choose Basecamp
Seasonal Inventory Swings Are Brutal
You need $40K in snow tires on your shelves six weeks before the first freeze. Wait too long and distributors are sold out. Buy too early and that's $40K tied up for months. A seasonal line of credit solves the timing problem.
Old Alignment Racks Lose ADAS Customers
A 12-year-old alignment machine can't handle ADAS-equipped vehicles. Every car you turn away for a post-alignment calibration is $300-$500 gone. A $55K Hunter system pays for itself in months — we finance it in days.
Fleet Contracts Need Upfront Inventory
A 45-truck fleet contract sounds great until you realize you need $25K in commercial tires before the first truck shows up. We fund the inventory so you can say yes to fleet contracts instead of passing.
Thin Margins Mean Every Dollar Matters
Tire margins run 15-25%. You make money on volume and alignment upsells, not markup. One bad inventory bet or a slow season can wreck your quarter. Working capital smooths the dips so volume keeps flowing.
Bobby's Take
Bobby's Playbook for Tire & Alignment
Most tire and alignment shop owners get evaluated like retail businesses by banks — daily cash, inventory turn, walk-in traffic. What banks miss is that high-velocity tire turnover plus alignment-service ticket mix produces a different cash-flow signature, and the lenders who fund tire and alignment 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 a tire and alignment shop transaction closes: tire inventory turnover, alignment service attach rate, and your wholesale-tire-distributor account standing. Not your personal FICO. Not your time in business. Specialist tire shop lenders care about whether your monthly blended retail and service revenue supports a $1,500-$3,000/month payment — and whether your inventory turnover proves the tires are moving rather than aging on the rack.
The biggest mistake tire and alignment operators make: applying without showing service revenue separately from tire retail revenue. The lender sees blended deposits and applies retail-trade margins to everything. The fix: separate alignment, balance, and rotation service revenue from tire retail. Specialist tire shop lenders price service revenue as higher-margin recurring revenue. Generalist lenders see retail-only economics and underwrite conservatively.
retail and service revenue ceded to competing tire chains
Where this gets interesting at scale: a tire and alignment shop adding a second alignment rack, expanding tire inventory, or opening a second location doesn't need ONE loan. They need equipment financing for the new alignment equipment + a working capital line for tire inventory + sometimes a a revenue-based term loan against existing-shop cash flow to cover a second-shop buildout. Three products, three lenders, one application — that's how single-bay tire and alignment shops scale into multi-bay regional tire centers.
The tire and alignment operators who scale fastest aren't the ones who waited until tire inventory had turned to reorder. They're the ones who had alignment-rack and tire inventory capacity ready when peak-season demand hit. Turning down tire-and-alignment customers because you can't fit them in is $15,000-$35,000 a month in retail and service revenue going to competing tire chains. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your tire and alignment business this week.
Bottom line:
Tire and alignment shops get underwritten on retail-only economics when service revenue carries the higher margin. Separate alignment, balance, and rotation from tire retail — that's the higher-margin recurring revenue.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Tire & Alignments Face
Pricing Transparency
What Tire & Alignment 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 Tire & Alignments
Finance the equipment. Keep your cash. Take the deduction. Your hunter alignment rack costs $33,000 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.
Tire & Alignment Capital Uses
What Tire & Alignment 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 tire & alignment 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 Tire & Alignment 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 Tire & Alignment 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
Tire & Alignment Business Loan FAQs
Tire Shop Loans & Alignment Business Financing — $10K to $20M+
Tire shops run on volume and timing. You sell on thin margins — 15-25% on rubber — and you make your real money on alignments, rotations, and TPMS service. But the cash cycle is brutal. You need $40K in winter tires stocked before October. Your alignment machine is 12 years old and can't handle ADAS vehicles. And that fleet contract you just landed needs $25K in commercial inventory before the first truck rolls in.
Banks look at tire shop margins and get nervous. We look at your throughput and see a business that turns inventory fast. 70+ lenders who understand seasonal tire businesses. Equipment financing for Hunter alignment systems, Coats tire changers, and balancers. Lines of credit you draw every fall for seasonal stock and repay as tires sell. One application, no hard pull. Most tire shops get options the same day.
Stop Sending Customers Down the Street. Get Your Tire & Alignment Shop Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide