Get Competitive Financing Rates for Auto Repair Shops
Get Competitive Financing Rates for Auto Repair Shops
20 years funding bay lifts, alignment machines, tire changers, diagnostics & more. Good credit? App-only up to $250K. Challenged credit? We’ll structure a path and graduate you to App-Only. We can finance auto repair shop nationwide with low monthly payment up to 60 months with $0 down for qualified businesses. We cater to all types of credit from A to D structured. Speak with our funding advisors today!
Why Finance Equipment with Liberty Capital
- Up to 120% of total project cost
- $0 down for qualified borrowers
- App-only ≤ $250K (one-page)
- Up to $5,000,000 with financials
- 100% prefunding & vendor pre-funding
- 90-day deferred options
- Low-doc programs
- New & used equipment eligible
- No age restriction on certain gear
- Startups OK
Pro tip: Match payments to cash flow—avoid daily/weekly cash-advance style funding for equipment whenever possible.
Two Proven Paths: Financing vs Leasing
Repair Shop Equipment Financing (EFA)
Finance bays, lifts, alignment machines, forklifts, diagnostics and more. Spread the cost over time with fixed payments and ownership at term end.
- Predictable monthly payments
- Build asset ownership
- Often includes soft costs
Repair Shop Equipment Leasing (FMV)
Off-balance-sheet style flexibility. Pay monthly, expense payments (program-dependent), then purchase (~10%/FMV), return, or upgrade at term end.
- Lower payments vs. ownership structures
- Stay current—upgrade on a cycle
- Good for fast-depreciating gear
Both approaches preserve cash flow, reduce upfront costs, and can bundle install/delivery/service agreements.
Program Highlights & Promotions
- $99 for the first 12 months (program-dependent)
- 90-day deferral: no payment for the first three months
- 0% interest promotions for well-qualified shops
- No balloon equipment financing
- Terms 12–60 months (used up to 60 months program-dependent)
- Equipment Finance Agreements and FMV leases
- Multiple funding lines available if needed
Auto Repair Shop Equipment — Application Only up to $250,000
Keep your operation current. Leasing can deliver tax advantages, preserve cash, hedge inflation, and reduce obsolescence risk. Call us today—apply now.
- Less paperwork
- No extra collateral—the equipment secures itself
- Fast processing & funding
- Lower credit thresholds than banks, in many cases
- Lower upfront outlay vs. cash purchase
What Do I Need to Apply?
- Online Application: Complete, upload, and authorize. Soft inquiry up front; lender may hard-pull on approval.
- Equipment Invoice or Quote: Multiple vendors welcome—we can bundle to one monthly payment. We can pre-fund approved vendors up to 100%.
- 3–4 Months Bank Statements: Your funding advisor sets expectations, issues an offer, and coordinates vendor payment. Used equipment terms available (program-dependent).
Auto Repair Equipment Financing for Startups
Beat the shop across the street with reliable, upgraded equipment—without a massive cash drain. Fixed monthly payments help you compete now and upgrade later as leases end.
Advantages
- Up to 90% of equipment cost
- Up to $250K App-Only • Up to $2MM with financials
- Vendor pre-funding available
- 12–60 month fixed terms
- No down payment for qualified borrowers
- Lowest rates for qualified credit
- Does not report to personal credit
Startup Credit Guidelines
- Active entity & business license, EIN
- PGs required from all owners
- Min. ~650 credit score
- No BK in last 7 years; no unresolved tax liens
- Business bank account
We also arrange working capital, lines of credit, and term loans alongside equipment to support build-outs and hiring.
FAQ: Auto Repair & Body Shop Equipment Financing
How does equipment financing work?
You secure a loan or lease for the equipment; we fund the vendor. You make monthly payments over a set term until payoff (EFA) or choose purchase/return/upgrade (FMV lease).
What equipment can be financed?
Diagnostics, lifts, alignment, tire changers, paint booths, welders—new or used. We consider age and condition; terms vary by program.
Key benefits for shops?
Preserve cash, flexible payments, potential tax advantages (consult your CPA), and access to current tech without a big upfront hit.
What affects the cost?
Credit profile, rate environment, term length, equipment type/age, and time-in-business. We package the file to the right lender fit.
Is a down payment required?
Not always—$0 down available for qualified borrowers. Startups and lower credit may need first/last or security.
Can I use financing for upgrades or expansion?
Yes. Use financing to add services, increase capacity, or replace outdated gear. We can also layer working capital for build-outs.
How do I apply?
Complete the online application, provide 3–4 months of bank statements, and the vendor quote/invoice. We handle the rest and coordinate vendor payment.
Apply Online
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