Capital for your auto body shop needs — Body Shop Business Loans
We connect independent shop owners and collision center managers to lenders specializing in equipment, working capital, and expansion financing across the US.
Soft credit inquiry only. Checking rates does not impact your score.
- Cycle time
- Paint booth
- DRP agreements
- Supplies inventory
- Frame rack
- Shop throughput
- Labor rate
- Claims processing
Business financing for auto body repair shops and collision centers
Financing options matched to your situation, in one place.
- EQUIPMENT Paint booth upgrades Financing for frame racks, spray booths, and diagnostic tools.
- WORKING Operational cash flow Bridging gaps for payroll, rent, and insurance between claim payouts.
- EXPANSION Shop growth projects Funding for second locations or additional service bays.
- REALESTATE Property acquisition Capital for buying your shop building or land expansion.
- $5K–$750K Funding ranges
- 24–72 hours Approval timeline
- 1 soft pull Credit impact
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Niche expertise
- Lenders understand collision shop revenue cycles.
- Financing options built for auto repair cash flow.
Fast liquidity
- Funding available for urgent equipment repairs.
- Bridge the gap while waiting for insurance payouts.
No upfront fees
- We receive payment from lenders, not borrowers.
- No cost to check your potential loan options.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Low credit scores
Traditional banks view independent shops as high risk due to equipment costs.
Recent tax liens
Banks often automate rejections for any outstanding tax filings.
Short time in business
Corporate banks require five years of clean tax returns for approval.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Family-owned repair shop
Upgrading outdated spray booths and ventilation systems
Multi-bay collision center
Covering payroll and material costs during slow quarters
High-volume independent shop
Funding construction of two additional service bays
Franchise collision shop
Buying diagnostic tools and frame straightening equipment
Commercial shop liability coverage
Protect your assets while financing your growth. We connect you with brokers who understand the specific liability risks of collision repair facilities.