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Houston Auto Repair Funding

Capital Built for
Auto Shops

$10,000 – $500,000 · Funded in 24–48 hours · New lifts & equipment · Expand your bays

0 Capital Deployed
0 Contractors Funded
24–48h Avg Funding Time
580+ Min Credit Score
We Get It

The Cash Flow Gaps Every Shop Owner Knows

Running a shop means juggling equipment costs, payroll, and expansion plans, all before the next invoice clears.

Equipment Failures Kill Revenue Overnight

When your alignment rack goes down or your lift needs hydraulic work, every car in that bay is dead money. Waiting on savings to repair or replace equipment means weeks of lost revenue. We fund repair and replacement in 24–48 hours.

Slow Weeks Hit Payroll Hard

Experienced mechanics don't wait for slow weeks to end. They leave. Keeping your best techs means making payroll even when the bays aren't full. Working capital keeps your team intact through the slow cycles.

Adding Bays & Services Requires Capital Upfront

Expanding to tires, AC service, or a second location means equipment, permits, and build-out costs before you see a dollar of new revenue. Lenders look at your existing revenue, not your projected growth.

Funding Options

The Right Capital for Every Auto Shop

We match Houston auto repair shops with the right product for their situation, whether you need to replace equipment or scale to a second location.

Merchant Cash Advance 24 hrs
$5K$500K

Repaid as a percentage of daily card sales. Payments flex automatically with your revenue. Perfect for bridging slow weeks without disrupting cash flow.

Working Capital Loan 24–48 hrs
$10K$500K

Cover payroll, parts inventory, and operating costs during slow periods. Fixed daily or weekly payments, approved on revenue, not collateral.

Equipment Financing 3–7 days
$10K$1M

Finance lifts, alignment racks, tire machines, scan tools, and service vehicles. The equipment serves as collateral. No additional assets required.

Business Line of Credit 2–3 days
$10K$250K

Draw what you need when you need it. Repay it. Draw again. Ideal for shops managing parts orders and unexpected repair needs across multiple bays.

Revenue-Based Financing 24–48 hrs
$5K$250K

Payments flex with your monthly revenue: more in busy months, less when it's slow. Built for the natural peaks and valleys of auto repair.

SBA Loan 2–4 weeks
$50K$5M

Lowest rates and longest terms for established shops. Best for major equipment purchases, acquiring a competitor, or opening a second location.

Qualifications

Do You Qualify?

Most auto repair shops qualify. Here's what lenders look at.

6+ mo Minimum time in business (most products)
$10K+ Average monthly revenue (bank deposits)
580+ Minimum credit score for most products
3 mo Bank statements. That's all the paperwork.
Apply Now

Check Your Options in 60 Seconds

No hard credit pull. A funding specialist follows up within 2 business hours.

No credit impact 256-bit encrypted Zero fees, ever

Application Received!

A Lone Star Capital Group specialist will contact you within 2 business hours to walk through your auto repair shop funding options.

FAQ

Auto Repair Funding Questions

Yes. Auto repair is one of the most fundable industries because revenue is consistent and predictable. Lenders love the auto repair business model: customers pay at pickup, revenue is daily, and demand is recession-resistant.
Absolutely. Equipment financing is designed exactly for this. The equipment itself serves as collateral, so no additional assets are required. We can finance lifts, racks, tire machines, scan tools, and service vehicles.
Lenders look at your trailing 3-month average, not just one bad month. If you've been in business 6+ months and have consistent deposits, you can qualify even with some slow periods. We'll match you to the lender most likely to approve your specific situation.
Working capital and MCAs fund in 24–48 hours. Equipment financing takes 3–7 days. We'll tell you exactly which product fits your situation and timeline before you apply.
No. Most funding products are based on your business revenue, not real estate. Whether you lease or own, you can qualify.

Ready to Grow Your Auto Shop?

Don't let equipment costs or slow weeks hold your shop back. Get the capital to keep every bay running.

Apply Now, Free & Fast ↗