Every empty bay costs money
A repair shop earns by the hour, by the bay. When a lift fails or a technician is waiting on a tool the shop does not own, the work backs up and customers go elsewhere. Body shops have it tougher still, often waiting weeks on insurance payments while parts suppliers want payment on delivery.
That is why owners search for same day auto repair shop funding. Decisions through our partner Merchant Fund Express come quickly, and qualified shops can be funded in as little as 24 hours. We do not promise same-day money, because anything faster depends on the file and the bank.
What shop owners fund
| Need | Typical fit |
|---|---|
| Two-post or four-post lifts, alignment rack | Equipment financing |
| Diagnostic scanners and ADAS calibration | Equipment financing |
| Parts inventory and tires | Working capital |
| Payroll while insurance claims are pending | Working capital or a line of credit |
| Paint booth repairs | Emergency repair funding |
Keeping up with newer vehicles
Modern vehicles need calibration equipment, software subscriptions and EV-trained technicians. Shops that invest in that capability can take on work the shop down the street turns away. For illustration, an independent shop doing $75,000 a month might finance an ADAS calibration system to stop sending windshield and sensor jobs to the dealer. Equipment financing spreads the cost over time, with the equipment typically securing the financing.
Built around how the shop performs
This offer is for established shops doing roughly $60,000 or more a month: general repair, collision, transmission, tire and fleet service. Many owners started out as technicians and financed their first tools and building personally. If your credit still shows that, FICO scores from 500 are considered.
- About three months of business bank statements
- No tax returns required
- Soft credit pull to start
- $25,000 to $5,000,000 available
- Sole proprietors can apply
Separate from credit repair, and ready now
Eagle Credit Repair works on personal credit. Funding is provided through Merchant Fund Express as a separate service, and you do not need to complete credit repair to apply. Funding will not change your score either way.
Fill out the 5-minute application between jobs and have your recent bank statements ready.
Frequently asked questions
Can my shop get funded the same day?
We do not promise same-day funding. Qualified shops can be funded in as little as 24 hours, depending on the file and the bank.
Can I finance a lift or alignment machine?
Yes. Equipment financing is designed for lifts, alignment racks, diagnostic tools and similar shop equipment.
I run a body shop that waits on insurance payments. Can funding help?
Working capital or a line of credit can cover payroll and parts while insurance claims are being paid.
Do I need tax returns?
No. Tax returns are not required. About three months of business bank statements are the main documents.
Can a sole proprietor shop apply?
Yes. Sole proprietors can apply as long as the business runs through a business bank account.
Does a fleet service contract help my application?
Recurring fleet work shows up as steady deposits in your bank statements, and consistent revenue is one of the main things the review weighs.