Working capital, built for auto repair shop

Keep the bays full and the parts moving

Three cars are on the lifts waiting on parts, the distributor is COD, and techs get paid Friday no matter what.

We review on ticket-based shop deposits and bank activity, with the parts cash-flow cycle in mind.

Ticket-based deposits count
Independents & multi-bay shops
Parts cash-flow cycle in mind

You may qualify. Approval depends on underwriting. No obligation to accept an offer.

What happens after you check

Reviewed on revenue & bank activity
Share 3–4 months of statements if it looks viable
A specialist follows up — no obligation

Ticket-based deposits countIndependents & multi-bay shopsParts cash-flow cycle in mind

Sound familiar?

The cars are on the lifts. The parts are COD.

A full shop should mean a full account — but the parts cycle and Friday payroll have a way of getting there first.

Three cars are waiting on parts, the distributor is COD, and you're fronting every dollar before a single ticket closes.

With capital on hand, you order parts the moment a job lands and turn cars faster instead of pacing the account.

A lift or a scanner finally gives out, and the fix costs less than the tickets you'll lose while it's down.

With working capital ready, you repair or replace it now and keep every bay earning.

A slow week still owes your techs a full check, and good techs don't wait around for cash flow to recover.

With a cushion in place, you keep your crew paid and intact through the dip instead of losing the people who run your shop.

You may qualify on your ticket-based shop deposits and bank activity. No obligation, and any payments are built to fit your cash flow.

60-second cash-flow stress test

How would your cash flow handle a bad week?

Use your average monthly shop deposits. Four questions for a live range and a readiness check. Six quick taps — no credit pull, and nothing is saved until you choose to continue. You'll see exactly where your cash flow is exposed, and what to do about it.

Not a commitment to lend or a bank loan. Approval depends on underwriting and is not guaranteed. Full disclosures.

Common uses

What auto repair shop owners use working capital for

Diagnostic & lift equipment

Add or repair lifts, scanners, and diagnostic tools.

Parts inventory

Stock common parts to cut turnaround and win more tickets.

Technician payroll

Keep skilled techs paid through slower weeks.

Add a bay

Expand capacity with another bay or location.

Local marketing

Bring in cars with local and digital campaigns.

Funding options

One conversation. The funding option that actually fits.

There's no single right way to fund a business — it depends on what the money is for and how you get paid. A funding specialist reviews your file and matches you to the option that fits your cash flow, starting with the one most small businesses reach for first.

Working Capital Advance

Business Line of Credit

Best when the need is recurring and you want to draw and repay as cash flow moves.

A revolving limit you draw from when you need it and pay down when you don't, so capital is there for the next gap without reapplying. You only carry what you actually use; access and terms depend on underwriting.

Term Loan

Best when you have a defined, one-time use and want a predictable monthly payment.

A fixed amount repaid over a set term in predictable payments — straightforward to plan around for a specific project or purchase. Amount and term depend on underwriting and the strength of the file.

Equipment Financing

Best when you're buying equipment — new or used — and want to preserve cash.

Finance the truck, oven, chair, or machine so you can put it to work now while keeping cash free for payroll and the day-to-day. The equipment itself typically anchors the deal; new and used both qualify, subject to underwriting.

Invoice Factoring

Best when capital is tied up in unpaid invoices and you can't wait on net-30/60.

Turn outstanding invoices into cash now instead of waiting weeks for customers to pay, so a slow-paying client doesn't stall payroll or your next job. Availability is based on your receivables and your customers' credit, subject to review.

FundVella is not a lender. We connect business owners with funding specialists who review your file and match you to available options. A factor rate is not an APR. You may qualify; approval depends on underwriting, payments must fit your cash flow, and there's no obligation to accept an offer.

What we look at

How files are reviewed

Reviews are based on business revenue and bank activity — not a single number. Here's what tends to matter most.

Ticket deposits

Consistency of ticket-based shop deposits week to week.

Parts cycle

How parts spend (often COD) lines up against collections.

Throughput & time

Operating history and steady car count through the bays.

We factor ticket-based revenue and the parts cash-flow cycle.

Is this a fit?

Good fit vs. may need a closer look

A “may need review” doesn't mean no — it just means a specialist will look closer.

Often a good fit

May need review

Time open: 6+ months of tickets
Time open: Just opened / under 3 months
Monthly deposits: Steady ticket revenue
Monthly deposits: Sparse or erratic tickets
Bank activity: Holds through parts COD
Bank activity: Frequent NSFs / negative days
Existing advances: None or one manageable
Existing advances: Multiple stacked advances
Statements: 3–4 months ready
Statements: Can't share statements

How it works

Three steps, no surprises

1
Complete a quick prequalification
Answer a few questions about your business. About two minutes, no obligation.
2
Share recent bank statements if the file looks viable
If the basics line up, share 3–4 months of business bank statements for a proper review.
3
Review available options if underwriting supports the file
A funding specialist may contact you to review options. Approval depends on underwriting.

Secure submission

Your details are sent over an encrypted connection.

Reviewed by a specialist

A real funding specialist reviews your file — not an instant algorithm.

Revenue-first review

Files are weighed on revenue and bank activity, not credit alone.

No obligation

Prequalifying doesn't obligate you to accept any offer.

Questions

Frequently asked

Parts are often COD — can funding help with that?

Yes. Covering parts inventory and COD distributor orders is a common use. Underwriting sizes options on your ticket deposits and bank activity.

Does it matter if I'm a single-bay independent?

No. Independents and multi-bay shops are reviewed the same way — on shop deposits, bank activity, and time in business.

How much funding could my business qualify for?

It depends on underwriting — amounts are based on your revenue, bank activity, time in business, and existing obligations. A specialist reviews your file to find a range.

Business revenue & deposits
Time in business
Bank activity & existing obligations

What do I need to get started?

Just a quick prequalification. If the file looks viable, recent business bank statements (usually 3–4 months) help move it forward.

Will checking my readiness affect my credit?

Starting a prequalification doesn't trigger a hard credit check. Options are reviewed mainly on business revenue and bank activity; credit is considered, but it isn't the only factor.

Is there any obligation?

None. Submitting your information doesn't obligate you to accept an offer, and any payments must fit your cash flow. A specialist may contact you to review your inquiry.

See what you may qualify for

Start a quick prequalification based on your revenue and bank activity.