INDUSTRY SOLUTIONS
Fast Funding for Auto Repair Shops
Your bays are full, but the cash isn't always there when payroll hits. Parts get paid before customers do, fleet and insurance jobs drag for weeks, and the slow months still cost you. We give repair shops fast, flexible funding so a busy week never turns into a short Friday.
Soft credit pull, won't affect your score. No obligation.
Funding Amounts
$10,000 – $500,000
Approval Speed
4 – 8 hours
Credit
All credit profiles considered
Use
Parts, payroll, equipment & more
THE CHALLENGE
Busy Shop, Tight Cash: Where the Money Gets Stuck
A repair shop can be fully booked and still come up short on payroll. The problem is rarely demand, it's timing: money goes out before it comes in. On top of that, shops are dealing with a persistent technician shortage, rising parts costs, and national chains consolidating the market. In the Federal Reserve's 2024 Small Business Credit Survey, 51% of small employers named uneven cash flow as a financial challenge. Here's where it usually shows up.
Parts get paid before the customer does
The parts on a big job are typically due on your distributor account before the repair is collected, and a stocked parts shelf ties up cash before a single ticket is written. The larger the job, the larger the gap you're floating out of your own pocket.
Fleet and insurance work pays slowly
Fleet, warranty, and insurance jobs commonly pay on 30 to 60 day terms. You front the parts and the labor, then wait, and the more of that steady work you take on, the more of your cash sits in receivables instead of your account.
Equipment and diagnostics keep getting more expensive
Lifts, alignment racks, scan tools, and ADAS calibration equipment are major purchases, and the software behind them carries ongoing subscription costs. Fall behind on tooling and you start turning away the newer vehicles you could have billed for.
The slow season still has fixed costs
January and February are quiet for many shops, but payroll, rent, and insurance don't pause. The median auto service technician earned about $49,670 a year in 2024 according to the Bureau of Labor Statistics, so even a few techs is several thousand dollars a week, due whether the bays are full or not.
Banks aren't built for this kind of timing. They're slow, documentation-heavy, and hard to reach when you need money now: in that same Federal Reserve survey, only about 4 in 10 businesses that applied for financing received all of it, and nearly a quarter were approved for none. That's exactly the gap we fill, fast funding that fits how a shop actually runs.
How Repair Shops Use Our Funding
Parts & Inventory
Cover the parts on a big job before the customer pays, and buy from distributors in bulk so you can turn work faster and protect your margins.
Lifts, Scanners & ADAS Equipment
Buy or upgrade hydraulic lifts, alignment racks, diagnostic scan tools, and ADAS calibration equipment so you can keep working on newer vehicles.
Fleet & Insurance Receivables
Fleet, warranty, and insurance jobs can take 30 to 60 days to pay. Get cash now instead of carrying that work on your own books.
Payroll Through Slow Months
Keep your skilled technicians on staff through a slow January or February. Losing a good tech costs far more than bridging a soft stretch.
Add a Bay or Location
Fund the expansion that pays for itself: another service bay, a second shop, or a renovated waiting area that lets you take on more work.
Marketing & New Customers
Invest in local advertising, Google Ads, and your website to keep the schedule full instead of waiting for the phone to ring.
One Application. We Match You to the Funding That Fits.
Most shops we fund use working capital they can put toward anything. You don't need to know which product you want, apply once and we'll match you to what you qualify for.
Working Capital
Fast, flexible funding you can put toward parts, payroll, equipment, or anything else the shop needs. This is how most repair shops we fund get started.
Learn MoreEquipment Financing
For lifts, alignment racks, diagnostic scanners, and ADAS calibration tools, with terms up to 60 months. The equipment itself serves as collateral.
Learn MoreBusiness Line of Credit
Revolving cash you can draw on for parts float and surprise expenses, then pay back and reuse. Interest applies only to what you draw.
Learn MoreInvoice Factoring
Advance the cash tied up in fleet and insurance invoices so a slow-paying account doesn't leave you short while you wait 30 to 60 days.
Learn MoreBusiness & SBA Loans
Lump-sum capital for bigger projects, a major equipment package, a buildout, or a second location, when you want a longer, structured term.
Learn MoreRevenue-Based Financing
Funding with repayment that flexes with your sales, so the amount adjusts with the season instead of staying fixed through a slow stretch.
Learn MoreWhy Repair Shop Owners Choose Us
We've funded independent mechanics, multi-bay shops, tire and brake specialists, and body shops across the country. We know the parts-before-payment cycle, the cost of keeping good technicians, and why a slow month can squeeze a shop that's doing everything right.
See What You Qualify For- We understand the parts-before-payment cash cycle
- Funding you can use for parts, payroll, or equipment
- Approval in 4 – 8 hours
- Soft credit pull that won't affect your score
- All credit profiles considered
- A dedicated advisor, not a call center
Simple Requirements to Get Started
If your shop 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
See What You Qualify For
It takes less than 30 seconds. Soft credit pull, won't affect your score.
Auto Repair Shop Funding FAQs
What can I use the funding for?
Anything your shop needs. Repair shops use Monera funding for parts and inventory, technician payroll, lifts and diagnostic equipment, facility upgrades, marketing, and bridging slow months. You don't have to decide on a specific product up front, you apply once and we match you to the funding you qualify for.
How much can an auto repair shop borrow?
Funding generally ranges from $10,000 to $500,000. The amount you qualify for depends mostly on your monthly revenue and how long you've been in business, not on a single credit score.
Do you fund body shops, tire shops, and specialty garages too?
Yes. We've funded independent mechanics, multi-bay general repair shops, body and collision shops, tire and brake centers, and transmission and specialty garages. If your business services vehicles, it's likely a fit.
Can I finance shop equipment like lifts, scanners, or ADAS calibration tools?
Yes. Equipment financing is available with terms up to 60 months, and the equipment itself serves as collateral, which often makes approval easier. It's a common fit for hydraulic lifts, alignment racks, diagnostic scan tools, and ADAS calibration rigs, the tooling that lets you keep billing for work on newer vehicles.
Can I get funding to cover payroll during a slow season?
Yes. Bridging a slow January or February is one of the most common reasons repair shops seek working capital. Keeping a skilled technician on staff through a soft stretch usually costs far less than losing them and rehiring when work picks back up.
Do you work with shops waiting on fleet or insurance payments?
Yes. Fleet, warranty, and insurance jobs often pay on 30 to 60 day terms, which ties up cash you've already spent on parts and labor. Options like invoice factoring can advance the cash on those invoices so a slow-paying account doesn't leave you short.
Can I get funding if a bank already turned me down?
Often, yes. A bank declining you usually reflects their rigid checklist, not your shop's health. We consider all credit profiles and weigh how your shop actually performs, so shops that don't fit a bank's box are frequently a fit for us.
Do I need good credit or a long track record?
All credit profiles are considered. Most shops we fund have been operating for at least 6 months and generate $10,000 or more in monthly revenue. Your shop's day-to-day performance matters more than a perfect credit score.
What documents do I need to apply?
Far less than a bank asks for. To see what you qualify for, you start with basic business details and a few recent months of bank statements. There's no mountain of tax-return packages or weeks of back-and-forth.
How does repayment work?
It depends on the funding you qualify for. Some options have fixed, predictable payments. Revenue-based financing flexes with your sales, so it eases off in a slow month. Your advisor walks you through the exact terms before you commit.
Will applying affect my credit score?
No. Checking what you qualify for uses a soft credit pull that won't affect your score, and there's no obligation to move forward.
How fast can I get funded?
Approval typically comes within 4 to 8 hours, with funds following shortly after. That speed is the main reason shops choose us over a bank, where the same request can take weeks of paperwork.
Specialized Funding
Other Business Types We Fund
We build dedicated funding guides for specific business types. Explore others below, or see the full Auto Repair & Dealerships overview.
Insights
