A repair shop buys parts today and is paid when the car leaves, or when a fleet customer's invoice clears. A line of credit is built for that kind of short, repeating gap.
Apply Now →A busy shop spends before it earns. Technicians are paid every week, parts are ordered for jobs not yet billed, and lifts, diagnostic equipment and the building itself carry fixed costs. Sales may be strong and cash still thin if a few large jobs or fleet accounts are waiting on payment.
For illustration only: a $6,000 engine job might require $2,400 of parts and $1,200 of labor to be paid out before the shop is paid. The gap is $3,600, not $6,000.
| Need | Good fit for a revolving line? | Why |
|---|---|---|
| Parts for a job awaiting payment | Yes | Short, repeating gap that repays itself |
| Fleet invoices that pay in 30 to 60 days | Yes | Predictable wait, then cash returns |
| Winter and summer tire or A/C surges | Often | Stock bought ahead of known demand |
| A new alignment system | Usually not | A one-time purchase suits a different structure |
| Covering ongoing losses | No | Adds debt without fixing the cause |
Snow and salt keep cars rolling into shops in winter, and summer heat tests air conditioning and cooling systems. A shop in a dense neighborhood may rely on repeat customers; a shop upstate may serve a wider area and farm or fleet vehicles. In each case, knowing which weeks bring the most work lets you plan the parts you will need to buy ahead.
Know your average repair order, your busiest weeks and how much of your revenue comes from fleets and insurers. Those three facts shape how large a gap you face and how long it lasts. A shop that can state them clearly in a sentence or two is better placed to size the request sensibly.
We fund $25,000 to $5,000,000, funded in as little as 24 hours. FICO 500+ is considered. We typically review about three months of business bank statements and do not require tax returns. The credit pull is soft, the application takes about five minutes, and sole proprietors can apply. Specific terms depend on the business and are not quoted on this page. Start at the application page.
Sole proprietors can apply, including owner-operators.
Bank statements are reviewed. Explain a fleet's payment cycle in your application.
A line suits short, repeating gaps. A one-time purchase may suit another structure. Describe your need in the application.
No tax returns are required.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
