$10,000 - $500,000 · Funded in 24-48 hours · New lifts & equipment · Expand your bays
Running a shop means juggling equipment costs, payroll, and expansion plans, all before the next invoice clears.
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.
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.
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.
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.
Repaid as a percentage of daily card sales. Payments flex automatically with your revenue. Perfect for bridging slow weeks without disrupting cash flow.
Cover payroll, parts inventory, and operating costs during slow periods. Fixed daily or weekly payments, approved on revenue, not collateral.
Finance lifts, alignment racks, tire machines, scan tools, and service vehicles. The equipment serves as collateral. No additional assets required.
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.
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.
Lowest rates and longest terms for established shops. Best for major equipment purchases, acquiring a competitor, or opening a second location.
Most auto repair shops qualify. Four things lenders actually check.
New lifts, better diagnostics, working capital between jobs. Here’s what funding looked like for Texas auto repair shops.
Independent shop owner wanted a Hunter alignment machine and a new tire mounting system to compete with dealership service centers. Bank SBA process was 6-8 weeks and required property collateral. Equipment financing used the machines themselves, approved and installed in 3 days.
Transmission specialist had $80K in jobs scheduled but parts costs and diagnostic equipment needed to be paid upfront. Working capital covered the parts float while a revolving line of credit gave him an ongoing buffer for fleet account customers with net-30 terms.
Collision and body shop owner needed a down-draft spray booth and a frame straightening system to handle insurance work at volume. The equipment was the collateral. No property deed required, no SBA paperwork, and the shop was up to full capacity within a week of funding.
Banks have specific objections to the auto repair industry. Here’s what keeps shop owners getting rejected, and how we handle it.
Banks flag auto shops for environmental exposure: oil, solvents, and waste disposal. This triggers extra due diligence, phase-one environmental reports, and often an outright decline before your financials are even reviewed.
We’ve funded dozens of auto shops. We understand the industry and work with ISO lenders who specialize in it, no environmental report required for most products.
If your lifts, diagnostic tools, or frame machines are already financed, banks view your available collateral as depleted. Even profitable shops with strong cash flow hit this wall when trying to add equipment.
Revenue-based products use your monthly cash flow, not equipment equity. Existing liens don’t disqualify you from working capital or MCA products.
Traditional banks require 650+ personal credit for most business loans. Many successful shop owners built strong businesses after early credit challenges, and banks use a single number to lock them out.
We have ISO partners who work with credit scores as low as 560. Revenue and deposit history matter more than a credit number from years ago.
Four basic requirements. If you meet them, we can find you options today.
Minimum operating history for most products
Shown through business bank deposits
Revenue matters more than credit for most products
3 months of statements for underwriting
No hard credit pull. A funding specialist follows up within 2 business hours.
A Lone Star Capital Group specialist will contact you within 2 business hours to walk through your auto repair shop funding options.
We fund auto repair shops and service businesses in every Houston suburb and surrounding city.
Auto repair shop funding in Katy TX
Sugar LandCapital for Sugar Land auto shops
CypressFast funding for Cypress repair shops
The WoodlandsAuto shop capital in The Woodlands
PearlandFunding for Pearland auto repair owners
League CityLeague City auto shop working capital
HumbleHumble TX auto repair shop loans
PasadenaPasadena auto repair funding solutions
We fund auto repair businesses in every major Houston suburb. Click your area for a page built specifically for auto repair operators in that market.
We fund auto repair businesses in every major Houston suburb. Click your area for a page built specifically for auto repair operators in that market.
Don't let equipment costs or slow weeks hold your shop back. Get the capital to keep every bay running.
Apply Now, Free & Fast ↗Most business owners only know about bank loans and wonder why they get turned down. This free guide covers the options lenders don't advertise.
No spam. Unsubscribe anytime. We respect your privacy.
Check your inbox in a few minutes. While you're here, see what you qualify for in 5 minutes.