Industry Funding
Business Funding for Auto Repair & Body Shops
Parts costs, insurance payout delays, and equipment investment create working capital gaps that slow your shop's growth. Commera arranges the right structure — equipment financing for lifts and diagnostics, receivables financing on collision claims, a line of credit for parts, or fast revenue-based funding when your bank can't move.
Soft credit pull · First offers within 24 hours · No fees to apply
By Filip Kozina · Co-Founder, Commera Funding
The real problem
Why businesses in this industry partner with Commera
Bank financing moves on bank timelines. Your business doesn't.
- 01
Insurance Payout Delays on Collision Work
Insurance carriers pay collision claims on their schedule — 30–60 days after job completion. Your parts suppliers and payroll don't wait. Receivables financing advances against those claims, and a line of credit bridges the gap.
- 02
Parts Inventory Is Capital-Intensive
Stocking commonly-needed parts reduces turnaround time and increases customer satisfaction — but it requires capital upfront. A revolving line of credit lets a well-stocked shop capture more same-day jobs without tying up reserves.
- 03
Lift and Equipment Investment
A two-post lift, alignment rack, or diagnostic system costs $5,000–$50,000. Equipment financing or leasing spreads that cost over the equipment's life — and it directly increases your capacity and revenue per bay.
- 04
Customer Concentration Risk
If one fleet account or insurance relationship accounts for 30%+ of revenue and pays late, it creates a cash flow crisis even for a profitable shop.
What you can fund
What businesses fund with Commera
Common uses for businesses in your industry.
Shop Equipment
Lifts, alignment racks, tire changers, diagnostic computers — financed, leased, or funded in 24–48 hours when speed matters.
Parts Inventory
Draw on a line of credit to stock common parts for your most frequent vehicle makes and models and cut turnaround time.
Insurance Payout Bridge
Use receivables financing or a line of credit to cover parts and payroll costs while waiting on collision insurance payments.
Bay Expansion
Add bays, build a detail area, or expand your facility to increase volume.
Hiring Technicians
Bring on licensed mechanics or estimators when demand exceeds current capacity.
Typical Funding Range
$15K – $250K
How to Qualify
Auto repair shops qualify based on bank deposit volume. We match you to the right product — equipment financing for a new lift, receivables financing on insurance claims, a line of credit for parts, or revenue-based funding for speed. Insurance-heavy collision centers with payment lags are well understood — revenue consistency matters more than any single slow month.
Ready to move?
See what you qualify for today
3-minute application. Soft credit pull only. No obligation.
Other industries we fund
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Business funding for restaurants, bars, and food service businesses. Cover slow seasons, upgrade equipment, or bridge payroll. Funded in 24–48 hours.
Business Funding for Retail Stores
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Business Funding for E-Commerce & Online Retail
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