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 moves faster than your bank.
See If You Qualify →Soft credit pull · Approval in 2–4 hours · No fees to apply
The real problem
Why businesses in this industry use MCA
Bank financing moves on bank timelines. Your business doesn't.
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. MCA bridges that gap.
Parts Inventory Is Capital-Intensive
Stocking commonly-needed parts reduces turnaround time and increases customer satisfaction — but it requires capital upfront. A well-stocked shop captures more same-day jobs.
Lift and Equipment Investment
A two-post lift, alignment rack, or diagnostic system costs $5,000–$50,000. This equipment directly increases your capacity and revenue per bay.
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 businesses fund with Commera
Common uses for businesses in your industry.
Shop Equipment
Lifts, alignment racks, tire changers, diagnostic computers — funded in 24–48 hours.
Parts Inventory
Stock common parts for your most frequent vehicle makes and models to cut turnaround time.
Insurance Payout Bridge
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.
Ready to move?
See what you qualify for today
3-minute application. Soft credit pull only. No obligation.
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