Workable Funding for auto repair shops.
Business working capital for established repair shops—parts inventory, technician payroll, diagnostic equipment and shop operating costs.
Typically 48–72 hours after approval and signed contracts. Subject to review and approval.
Keep your shop's operating costs in view.
Parts are purchased before a repair is finished, technicians are paid on schedule, and a failed lift or scanner can interrupt revenue. Workable Funding reviews the shop's deposits and obligations to determine whether an advance is affordable.
- Buying parts and consumables for booked repairs
- Covering technician payroll between collections
- Replacing diagnostic scanners and shop equipment
- Repairing or replacing a vehicle lift
- Preparing inventory for a busy period
- Supporting an approved business expansion
Business funding—not customer repair financing.
For the shop owner
Applications are reviewed for established businesses, not drivers seeking a personal car-repair loan.
Payment clarity
Review the total repayment and daily or weekly debit against parts costs, wages and rent before accepting.
One funding desk
Workable Funding manages your application, underwriting and funding coordination through one relationship.
Match shop funding to operating cash flow
An equipment purchase may increase capacity, but repayment must fit the deposits the shop already generates. Include parts costs, technician wages, rent and existing debt when deciding whether an offer is suitable.
For a purchase with a longer useful life, compare an advance with any equipment-financing or bank options available to you. Workable's merchant cash advance is not a bank loan, and its fixed total repayment should be evaluated on its own terms.
Use the merchant application for your own shop or the ISO submission path for a client business. Canadian repair businesses are reviewed under the separate Canada program, not the US minimums below.
What you need to qualify.
General US review starting points—not a promise of approval. Canadian businesses have separate criteria.
Repayment is a fixed daily (business-day) or weekly debit from your business bank account. Review the payment amount and all agreement terms before accepting.
No equipment collateral is required, but a personal guarantee from the business owner is required. Review the agreement before accepting.
3–12 months terms. Typically about 1.15–1.50, set per file. Canadian program criteria.
Questions, answered.
Can an auto repair shop use an advance for parts and payroll?
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Yes. Approved business funding can cover parts inventory, technician payroll and other business expenses. The shop's deposits and complete file determine eligibility and terms.
Do you provide financing to pay my personal car-repair bill?
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No. This is working capital for the repair business, not consumer financing for a driver's repair bill.
Can funding be used for a lift or diagnostic scanner?
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Yes, these are business uses. Compare the cost and payment schedule with other available equipment-financing options before accepting an advance.
Is this a bank loan or consumer financing?
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No. Workable Funding reviews established businesses for merchant cash advances, not bank loans or financing for individual consumers. Review the total repayment and agreement terms before accepting.
How are payments collected?
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Repayment is a fixed daily (business-day) or weekly debit from your business bank account. Review the payment amount and all agreement terms before accepting.
Is equipment collateral or a personal guarantee required?
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No equipment collateral is required, but a personal guarantee from the business owner is required. Review the agreement before accepting.
How quickly can an approved business receive funding?
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Most complete files get a decision the same business day (Mon–Fri, 9am–6pm ET). Typically 48–72 hours after approval and signed contracts. Approval and timing depend on the complete file.
Can Canadian businesses apply?
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Yes. Canadian businesses use the separate Canadian program criteria at workablefunding.com/canada; do not apply the US minimums to Canadian files.
Ready to get funded? It takes 2 minutes.
No impact to your credit. Same-day decisions on most complete files.