INDUSTRY SOLUTIONS
Funding That Keeps Your Shop Running and Your Lot Full
From independent repair shops to used car dealerships, the automotive business runs on inventory and equipment. We provide fast capital so you can stock your lot, upgrade your shop, and grow your business.
Funding Amounts
$10,000 – $500,000
Approval Speed
4 – 8 hours
Credit
All credit profiles considered
Use
Inventory, equipment, expansion & more
THE CHALLENGE
The Capital Demands of the Automotive Industry
The automotive business is uniquely capital-intensive. Repair shops need expensive diagnostic equipment, lifts, alignment machines, and a constant supply of parts. Dealerships need floor plan inventory. Vehicles sitting on the lot represent tens or hundreds of thousands of dollars in capital tied up until they sell.
Cash flow in automotive follows unpredictable patterns. A repair shop might have a packed bay one week and a slow one the next. A dealership might move ten cars in a weekend and then wait two weeks for the next sale. Meanwhile, rent, payroll, insurance, and parts invoices arrive on a fixed schedule regardless of revenue.
At Monera Capital, we've funded independent mechanics, multi-bay repair shops, tire and brake specialists, body shops, and used car dealerships. We know the inventory cycles, equipment needs, and cash flow patterns that define the automotive business.
SPECIALIZED FUNDING
Which Describes Your Business?
We built dedicated guides for the two sides of the automotive world, each with the cash-flow realities and the funding that fits.
How Auto Businesses Use Our Funding
Floor Plan Inventory
Stock your lot with vehicles. Buying at auction, from wholesalers, or through trade-ins, capital lets you keep inventory moving.
Shop Equipment & Lifts
Purchase or upgrade hydraulic lifts, alignment machines, diagnostic scanners, tire changers, and other essential shop equipment.
Parts & Supplies
Maintain a well-stocked parts inventory so you can turn jobs faster. Buy from distributors in bulk to improve your margins.
Facility Upgrades
Expand your shop, add service bays, renovate your showroom, or improve your customer waiting area.
Staffing & Payroll
Hire additional technicians, service advisors, or sales staff to handle growing demand.
Marketing & Online Presence
Invest in local advertising, Google Ads, an updated website, or online inventory listings to drive more customers to your door.
Funding Solutions for Automotive Businesses
We offer multiple products to match the specific needs of your shop or dealership.
Equipment Financing
Finance lifts, diagnostic equipment, alignment machines, and shop tools with terms up to 60 months. The equipment serves as collateral.
Learn MoreWorking Capital Loans
Fast capital for floor plan purchases, parts inventory, payroll, and day-to-day operational expenses.
Learn MoreBusiness Loans
Lump-sum capital for facility expansion, major renovations, or building out an additional location.
Learn MoreBusiness Line of Credit
Revolving access to capital for ongoing inventory purchases and unexpected expenses. Draw what you need, when you need it.
Learn MoreWhy Auto Business Owners Choose Us
We've funded independent repair shops, specialty garages, body shops, tire centers, and used car dealerships across the country. The equipment costs, inventory demands, and cash flow swings that define the automotive industry are exactly what our funding is built around.
Apply Now- We understand automotive inventory cycles
- Equipment financing with terms up to 60 months
- Working capital for floor plan purchases
- Approval in 4–8 hours
- Dedicated advisor who knows automotive
- All credit profiles considered
Simple Requirements to Get Started
If your automotive business has been operating for at least 6 months and generates $10,000 or more in monthly revenue, you're likely a fit.
6+ Months
In Business
$10K+
Monthly Revenue
All Credit
Profiles Welcome
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Auto Industry Funding FAQs
What can auto repair shops and dealerships use funding for?
Auto businesses use funding for floor plan inventory, shop equipment and lifts, parts and supplies, facility upgrades, staffing and payroll, and marketing and online presence. Funding ranges from $10,000 to $500,000.
Can funding help cover inventory and floor plan purchases?
Yes. Automotive inventory ties up significant cash, so working capital can support floor plan purchases and parts stocking, while equipment financing with terms up to 60 months covers lifts and shop equipment. Approval takes about 4 to 8 hours.
Can auto repair shops and dealerships qualify for funding?
Most auto repair shops and dealerships qualify with at least 6 months in business and $10,000 or more in monthly revenue. All credit profiles are considered, so a perfect credit score isn't required.
How much funding can auto repair shops and dealerships get?
Funding ranges from $10,000 to $500,000, based on your revenue and the needs of your business.
How fast can auto repair shops and dealerships get funded?
Most applications are reviewed and approved within 4 to 8 hours, not the weeks a traditional bank can take.
Can auto repair shops and dealerships get funding with bad credit?
Quite possibly. All credit profiles are considered, so past credit challenges don't automatically disqualify your business.
What funding options are available for auto repair shops and dealerships?
We offer multiple products, including business loans, working capital, business lines of credit, equipment financing, SBA loans, and revenue-based financing, and match you with the option that best fits your situation.
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