Automotive and auto repair businesses can qualify for $10K to $5M in funding through Nautix Capital's lender network. Equipment financing is the most popular option for shops, covering lifts, diagnostic tools, and specialized equipment with the asset as collateral.

Get Automotive & Auto Repair Funding — See What You Qualify For

Do You Qualify?

$8K+/mo revenue

You qualify

1+ year in business

You qualify

550+ credit score

You qualify

Active US business

You qualify

Meet 3 of 4? You likely qualify.

Check Your Options

Automotive & Auto Repair Funding Options

Product	Amount	Speed	Min Credit	Best For
Equipment Financing	$10K – $500K	3-5 days approval, 5-10 days to funding	600+	Lifts, diagnostic scanners, alignment machines
Working Capital	$50K – $500K	48-72 hours	600+	Parts inventory, payroll, and shop operating expenses
SBA Loans	$50K – $5.0M	30-60 days	650+	Shop expansion, acquisition, or major renovation
Revenue-Based Funding	$25K – $500K	24-48 hours	550+	Flexible capital tied to daily repair ticket revenue

How It Works

Complete SmartMatch Assessment

Tell us about your shop — revenue, years in business, and funding needs. Takes about 2 minutes with no credit pull.

2 min

Review Your Matched Options

We match your profile against lenders who understand automotive service cash flow and equipment needs.

24 hours

Get Funded

Choose your best option. Working capital funds in 48-72 hours. Equipment financing funds in 3-5 days.

~3 days

Start SmartMatch

Automotive & Auto Repair Funding Insights

$68,000

Avg. Funding Amount

Equipment Financing

Frequently Asked Questions

Can I finance a new lift or diagnostic scanner?

Yes. Equipment financing covers lifts, alignment machines, diagnostic scanners, paint booths, and other shop equipment. The equipment serves as collateral, keeping approval requirements reasonable.

How do I fund parts inventory?

Working capital loans are ideal for stocking parts inventory. Funding ranges from $50K to $500K with repayment terms from 12 to 60 months.

Can I get funding to buy or expand a shop?

Yes. SBA loans are the best option for shop acquisitions or major expansion, offering up to $5M with the most competitive rates. Working capital can cover smaller renovation projects.

What if my revenue is seasonal?

Revenue-based funding adjusts payments with your daily ticket revenue — you pay less during slower months. Working capital loans provide a fixed payment schedule you can budget around.

Is there a cost to use SmartMatch?

No. SmartMatch is completely free with no obligation and no credit pull.

See Your Automotive & Auto Repair Options

Free 2-minute assessment. No credit pull. No obligation. See every funding option you qualify for.

See Your Automotive & Auto Repair Options