This Is Why You're Here
Why Transmissions Come to Us Instead of Their Bank
Your dynamometer failed mid-test. Repair quote: $25K. Every day without it means you can't verify rebuilds before returning them to customers. That's $3K/day in stalled revenue.
You found a lot of 50 remanufactured cores at $400 each — $20K total. Normally you'd pay $800/core from your supplier. The seller needs payment in 48 hours.
You're losing CVT work because you don't have the diagnostic and programming tools for newer Nissan and Subaru transmissions. The equipment package is $35K.
Your lead rebuild tech wants $85K or he's leaving for a dealer. You're paying him $68K now. Losing him means 6 months to find and train a replacement — and $15K/month in rebuilds walking out the door.
A fleet company needs 12 transmission rebuilds over the next 90 days. That's $42K in parts and cores you need to front before the first invoice goes out. Your supplier won't extend more credit.
My dyno went down on a Monday — $28K to replace. Every day without it cost me $3K in stalled rebuilds. Basecamp had me approved by Wednesday and the new dyno shipped Friday. Didn't lose a single customer.
James P., Transmission Shop Owner, Columbus, OH
Transmission Financing
Get Your Transmission 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 Transmission Businesses Choose Basecamp
Core Inventory Locks Up Serious Cash
A rebuilt transmission starts with a $400-$800 core. Stock 30 cores and that's $15K-$25K sitting on shelves before you've turned a wrench. We fund core purchases so your cash isn't trapped in inventory you haven't billed yet.
Dyno Failure Stops Your Entire Operation
You can't verify a rebuild without a dynamometer. When your dyno goes down, every job in the shop stalls. A replacement is $25K-$40K. We fund it in days, not the weeks your bank needs.
CVT and DCT Tools Are Expensive Entry Tickets
Nissan CVTs, Ford DCTs, ZF 8-speeds — each requires specialized diagnostic and programming tools. A $35K tooling investment opens up work most general shops can't touch. We finance the tools that let you own the niche.
High-Ticket Jobs Mean Lumpy Cash Flow
Transmission rebuilds run $3K-$7K per job. But you might do 8 jobs one month and 3 the next. Revenue-based financing flexes with your actual volume instead of crushing you during slow weeks.
What You're Up Against
The Real Challenges Transmissions Face
Pricing Transparency
What Transmission 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 Transmissions
Finance the equipment. Keep your cash. Take the deduction. Your dyno costs $51,000 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.
Transmission Capital Uses
What Transmission 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 transmission 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 Transmission 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 Transmission 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
Transmission Business Loan FAQs
Transmission Shop Loans & Transmission Repair Financing — $10K to $5M+
Transmission work is the highest-ticket repair in automotive. A rebuild runs $3K-$7K. But here's what nobody tells you about running a transmission shop — the cash is always stuck. You've got $20K in cores on the shelf. Your dynamometer is a $25K-$40K piece of equipment that shuts down your entire operation when it fails. And the diagnostic tools for CVTs, DCTs, and modern ZF units cost $35K just to get in the door.
Banks see 'auto repair' and think oil changes. They don't understand why you need $20K in cores by Friday or why a dyno failure is a five-alarm emergency. We do. 70+ lenders who fund transmission shops specifically. Equipment financing for dynos and diagnostic tools. Working capital for core inventory. Lines of credit that flex with your lumpy revenue cycle. One application. No hard pull. Most shops hear back the same day.
Stop Waiting on Banks. Get Your Transmission Business Funded Today.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide