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Auto Repair Funding
Fast & Flexible

Get $15K–$250K in working capital for equipment, inventory, and growth. No credit pull. 24-48 hour funding.

Get Your Offer
Home›Industries›Auto Repair Funding
Last Updated: February 2026

Auto repair shop owners need capital that matches their business rhythm. Equipment failures happen fast. Seasonal volume changes require flexibility. Vault Capital Group provides merchant cash advances ($15K–$250K) designed specifically for auto repair economics. Get capital immediately, repay from customer payments as they arrive. No credit pull. No equipment liens. Funding in 24-48 hours. Whether you need diagnostic equipment, lifts, alignment machines, parts inventory, shop expansion, or working capital to take on more customers, Vault Capital funds auto repair shops nationwide with all credit profiles welcome.

How It Works for Auto Repair

Capital for your shop.
Repay from customers.

Step 1: Apply (5 Minutes)

One-page application plus 3 months of business bank statements showing customer payments. No credit pull — won't affect your score. Simple and straightforward.

Step 2: Get Your Offer (Same Day)

Our team reviews your monthly revenue and deposit history. You get a real offer with clear terms and exact repayment amount.

Step 3: Get Funded (24-48 Hours)

Sign the agreement and capital lands in your business account within 24-48 hours. Buy equipment, stock inventory, and grow. Repay from customer payments.

Real Funding Scenarios

How auto repair shops
use Vault Capital Group.

Equipment Upgrade

Independent shop needed 4-post lifts + alignment machine ($48K). Got $45K MCA at 1.28 factor. Work capacity increased 50%. More capacity = more customer jobs = faster repayment. Fully repaid in 10 months.

Inventory Build-Out

Established shop wanted to offer more services in-house instead of referring out. Needed $32K for parts inventory. Got MCA. More services = higher ticket prices = faster repayment. Completed in 8 months.

Seasonal Working Capital

Auto repair shop: slow winter, busy spring/summer. Cash flow gap = $35K. Got MCA to cover slow months. Payments flex with seasonal volume. Profitable year overall.

Shop Expansion

Successful 2-bay shop wanted to add 2 more bays ($65K renovation + equipment). Got $60K MCA. Expanded to 4-bay operation. Revenue doubled within 18 months. MCA fully repaid in 16 months.

Why Auto Shops Choose Vault

Built for
auto repair.

Customer-Based Payments

Payments based on your customer activity. Busy season = higher payments naturally. Slower season = lower payments. Aligns perfectly with auto repair cash flow.

Funded in 24-48 Hours

When that diagnostic machine breaks or you spot an expansion opportunity, you get capital fast—not in 60 days. We move at repair shop speed.

No Equipment Liens

We don't put liens on your lifts, equipment, or facility. Funding is based on your revenue, not your assets. You keep full control of what you own.

All Credit Profiles Welcome

Bad credit from past challenges? No problem. We approve based on business revenue and deposits, not credit scores. We fund shops banks have rejected.

Flexible for Seasonal Swings

Auto repair is seasonal. Summer busy, winter slow. We structure advances understanding your seasonal patterns. Payments flex accordingly.

Direct + Partner Network

One application gets matched to the best available terms. We fund directly or through our 75+ partners. You get the fastest, most competitive deal.

Qualification Requirements

Simple. Transparent.
No surprises.

  • Auto repair business in operation for at least 6-12 months
  • Minimum $5,000–$10,000 in average monthly revenue (varies)
  • Business bank account with 3 months of statements
  • Valid business license and ID
  • No specific credit score requirement
  • Consistent customer/credit card payment history
Common Questions

Everything you need
to know.

What factor rate should I expect?
Auto repair MCAs typically range from 1.15 to 1.35 depending on your monthly revenue. Higher revenue = better rates. A $60K advance at 1.25 factor means you repay $75K total.
How are payments taken from my account?
Most auto repair MCAs are repaid via a percentage of daily card sales (typically 10-20%). As customers pay via card, a portion automatically goes to MCA repayment. Busier days = higher repayment. Slower days = lower repayment.
Can I pay my MCA off early?
Yes. Early repayment is always available and typically has no penalty. Many shop owners repay faster during busy seasons to reduce the overall cost.
What if I only accept checks and cash, not credit cards?
Most modern auto repair shops have some credit card processing. If you're cash-only, we can discuss alternative repayment structures. Contact us with your specific situation.
Can I get a second advance after repaying the first?
Absolutely. Successful repayment builds your track record with us. Many auto repair shops get second or third advances as their business grows.
Ready to Grow Your Shop

Get auto repair funding
in 24-48 hours.

One application. Real offer same day. Capital by tomorrow. No credit pull. No equipment liens.

Start Your Application

Questions? Email us. We're here to help.

info@vaultcapitalgrp.com