Questions? We're always open. 📞
(646) 440-4100
Want more info? Text us: 💬
(206) 426-6916
Contact Us

Questions? We're always open. 📞 (646) 440-4100

Want more info? Text us: 💬 (206) 426-6916

Contact Us

Automotive Business Financing

Fast, flexible funding for auto repair shops, body shops, and automotive service businesses

With an 85% approval rate, what are you waiting for?
Applying will not impact your credit score….*

The financial challenges automotive businesses face every day

Running an auto shop means managing expensive equipment, skilled labor, parts inventory, and unpredictable cash flow. Equipment costs are climbing, the technician shortage is real, and parts prices have surged 20% to 40% in recent years. REIL Capital specializes in funding automotive service businesses.

How auto shop owners use REIL Capital funding

From covering payroll during a slow week to buying a new alignment machine, our financing adapts to whatever your automotive business needs right now. Whether you operate an auto repair shop, body shop, tire shop, or detailing business, REIL Capital has worked with businesses like yours.

  • Purchase shop equipment like lifts, scanners, and paint booths
  • Hire and retain skilled automotive technicians
  • Open a second location
  • Stock parts inventory at wholesale pricing
  • Cover payroll and overhead during slow months
  • Invest in marketing to fill service bays
  • Renovate your shop and expand service capacity
  • Manage insurance claim payment gaps
  • Adopt new technology like ADAS calibration tools

The recommended product for automotive industry

Join our network of happy customers!

All you need to qualify

$20k+

In monthly revenue

6+

Months in business

500+

FICO Score

4

Most recent business bank statements

$250K+

In annual revenue

6+

Months in business

600+

FICO Score

4

Most recent business bank statements

Three steps to fund your automotive business

From application to cash in your account, the process is designed for busy shop owners. Apply online in about five minutes, get approved the same day with an 85% approval rate, and receive funding in as fast as 24 to 48 hours.

Apply Online

Just a few quick questions and away we go

Get Approved

Get your approval and jump for joy!

Receive Your Funds

Accept your terms and the funds are on the way!

Ready to fund your auto shop's next move?

Apply in minutes, get approved the same day, and receive funding in as fast as 24 hours.
Applying will not impact your credit score. By providing a telephone number and submitting the form you are consenting to be contacted by SMS text message from Mission Capital, LLC DBA REIL Capital. Message frequency may vary. Message & data rates may apply. Reply STOP to opt-out of further messaging. Reply HELP for more information. See our Privacy Policy: https://reilcap.com/privacy-policy/

Automotive services is one of several industries we finance. Explore how our programs work for auto shops, body shops, and other service-based businesses.

FAQ

Can't find the answer you need?

Check out our general FAQ section!

Auto Body Shop Financing

Auto body shop financing provides collision repair and paint shops with capital for equipment, facility upgrades, and working capital. Body shops have unique equipment needs including paint booths, frame straightening machines, welding equipment, and computerized measuring systems that can cost $50,000 to $300,000 per bay.

Insurance claim payment cycles create a persistent cash flow challenge for body shops. The 30 to 60 day gap between completing repairs and receiving insurance payment means shops need working capital to cover parts, labor, and overhead while waiting for reimbursement.

REIL Capital understands the body shop business model and offers financing structured around insurance payment timelines. Equipment financing, bridge capital, and working capital lines of credit are all available with 85% approval rates and funding in 24 to 48 hours.

Auto Repair Business Loans

Auto repair business loans help independent mechanics and repair shop owners fund equipment purchases, facility improvements, and day-to-day operations. The automotive repair industry generates over $75 billion annually in the United States, with independent shops competing against dealership service departments and national chains.

Common uses of auto repair business loans include purchasing lifts, diagnostic scanners, alignment machines, and tire equipment, renovating or expanding shop facilities, funding parts inventory, and covering payroll during seasonal slowdowns or when waiting on fleet customer payments.

REIL Capital offers auto repair business loans based on your shop's revenue rather than requiring perfect credit. With a minimum of 6 months in business and $20K in monthly revenue, most shop owners qualify for funding that arrives in 24 to 48 hours.

* Rates shown reflect an average fixed monthly percentage. Rates may vary by state and lender criteria. We do not perform a hard credit pull at any point in our approval process. Decision and funding time are subject to applicant’s submission of all requested approval and closing documents. Same day funding is contingent on applicant qualifications. By supplying us with your information, you authorize REIL Capital LLC to contact you at the numbers you provide (including mobile) during any step of this application, via phone (including automated telephone dialing systems, prerecorded, SMS and MMS means) even if you are on a Do Not Call Registry. You are not required to agree to be contacted in this manner to apply with REIL Capital LLC.
Loans made or arranged pursuant to a California Financing Law license - CFL License Number: 60DBO 89473
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