This Is Why You're Here
Why Used Car + Services Come to Us Instead of Their Bank
You found 8 vehicles at auction that would retail for $180K total. Acquisition cost is $110K. You need the capital in 48 hours before the next auction cycle.
Your service department needs an alignment machine ($40K) and a second lift ($12K). Service revenue is $25K/month and growing — but the equipment investment is upfront.
A local dealer is retiring and selling 30 vehicles and a fully equipped 4-bay shop. Total price: $350K. This would double your operation overnight.
You've got 14 units on the lot that each need $1,500-$3K in reconditioning before they're retail-ready. That's $28K-$42K tied up in cars that can't sell yet. Every week they sit is $200/unit in floor cost.
Your service writer wants to add a used car warranty program — $18K for the software, training, and initial warranty reserve. Warranty customers come back for service and buy their next car from you.
Found 12 vehicles at auction for $95K — would retail for $165K. Needed the cash in 48 hours. Basecamp funded a $100K line of credit and I bought every one. Also financed a $40K alignment machine for the service side. Both done in a week.
Michelle T., Used Car Dealer + Service Owner, Nashville, TN
Used Car + Service Financing
Get Your Used Car + Service 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 Used Car + Service Businesses Choose Basecamp
Auction Inventory Waits for Nobody
You found 8 cars at auction that retail for $180K. Acquisition is $110K. The next auction cycle is in 48 hours. Your bank needs three weeks. We fund auction purchases in 24-48 hours so you never watch profit drive away.
Service Department Builds Customer Loyalty
Adding service bays costs $40K-$60K for lifts, alignment machines, and tools. But service customers buy their next car from you. It's the retention play that separates successful lots from ones that churn. We fund the service buildout.
Reconditioning Costs Hit Before Revenue
Every car you buy needs $1K-$3K in reconditioning before it's retail-ready. Detailing, mechanical work, cosmetics. On 30 units that's $45K-$90K in costs before a single car sells. A line of credit handles the recon float without draining your lot budget.
Dealership Acquisitions Move Fast
A retiring dealer selling 30 cars and a 4-bay shop for $350K is a once-in-five-years opportunity. You've got maybe two weeks before another buyer steps in. SBA takes 60 days. We can stack working capital and equipment financing to close in under two weeks.
What You're Up Against
The Real Challenges Used Car + Services Face
Pricing Transparency
What Used Car + Service 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 Used Car + Services
Finance the equipment. Keep your cash. Take the deduction. Your flatbed delivery truck costs $39,000 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.
Used Car + Service Capital Uses
What Used Car + Service 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 used car + service 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 Used Car + Service 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 Used Car + Service 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
Used Car + Service Business Loan FAQs
Used Car Dealer Loans & Dealership Service Financing — $10K to $5M+
You're running two businesses at once. The lot side needs $110K for an auction buy — and the auction is in 48 hours. The service side needs a $40K alignment machine and a second lift. Every car you buy needs $1K-$3K in reconditioning before it's retail-ready. And the dealer down the street is retiring with 30 cars and a 4-bay shop that would double your operation. All of this is happening at the same time. Your bank wants to handle it as one loan with 60 days of underwriting.
That's why used car dealers come to us. We stack products. A $100K line of credit for auction buys you draw and repay as cars sell. Equipment financing for lifts and alignment machines. Working capital for reconditioning and hiring. 70+ lenders competing for your business. No hard pull. Most dealers hear back the same day. If there's an auction lot you're watching and you don't have the cash — fill out the application. Takes 60 seconds.
Stop Waiting on Banks. Get Your Used Car + Service Business Funded Today.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide