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.
Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.
Every structure we can place
Two businesses in the same industry rarely need the same product. An advisor prices these against each other for your file rather than pushing whichever one funds fastest.
Ready to move?
See what you qualify for today
3-minute application. Soft credit pull only. No obligation.
Local funding guides
Other industries we fund
Business Funding for Restaurants & Food Service
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
Fast business funding for retail stores, buy inventory before peak season, cover slow months, or renovate your space. Funded in 24-48 hours.
Business Funding for E-Commerce & Online Retail
Fast capital for e-commerce and online retail. Fund inventory, ad spend, or 3PL costs without giving up equity. First offers within 24 hours.