— Auto repair shop funding
Funding That Keeps the Bays Full
You front the parts, run the diagnostics, and keep the lifts working — often before the customer, the fleet account, or the insurer pays. Zip helps auto repair shops keep cash moving between the work and payment.
$400M+
Funded
6,700+
Businesses
Since 2013
Serving business owners
01 — The float
Why auto repair shop funding?
Money goes out the door before the car does. Four places that shows up.
Parts fronted on every job
You pay the supplier before the customer pays you. On a transmission or a special-order module that is real money out the door on a car that is still sitting on the lift.
Diagnostic and shop equipment
Scanners, lifts, alignment machines and the software subscriptions behind them. Each one earns its keep over years, and each one wants paying for now — plus the upkeep to stay current with what rolls in.
Fleet and insurance receivables
The service van fleet, the municipal contract, the insurance and warranty work — none of it settles at the counter. You have done the job and the invoice sits on 30 or 60-day terms.
Bay buildout and expansion
Another bay, another lift, or a second shop across town. It is also what carries you through the slow stretch when the phone is quieter than the schedule needs it to be.
02 — Common uses
Common auto repair shop funding uses.
Parts and inventory for active jobs
Capital to stock fast-movers and cover special-order parts on the cars in the bays.
Diagnostic equipment, lifts and tooling
Funding for a scanner, a two-post lift, an alignment rack or the specialty tools a job demands.
Bridging fleet and insurance receivables
Capital to cover the stretch between finishing the work and the account paying for it.
Payroll for technicians
Funding to keep certified techs on the clock through a slower stretch instead of losing them.
Bay buildout, renovation or added lifts
Capital for another bay, a lift, or bringing the shop floor up to what the work needs.
Opening or expanding to a second location
Funding for the lease, the equipment and the months before a second shop carries itself.
03 — How it works
How it works
01
See if you qualify
A short set of questions about your shop — straightforward, and no obligation to move forward.
02
Talk to a specialist
One person reviews your situation and walks you through the funding options that fit how your bays, parts and receivables actually run.
03
Access your funding
Once approved, funds are made available to put to work — parts, equipment, payroll, or the next bay.
Typical minimum: $10K+ in monthly business deposits. That’s a general starting point for fit rather than an automatic qualification — meeting the minimum does not guarantee qualification, and every business is reviewed individually.
04 — Proof
What owners say
Business owners rate working with a Zip specialist across every industry we serve.
$400M+ funded across 6,700+ businesses since 2013 — one specialist to a file, start to finish.
08 — FAQ
Auto repair shop funding FAQ
On this page
How do auto repair shops finance parts and equipment purchases?
Most established shops use working capital rather than emptying the operating account on a big parts order or a new machine. Zip helps you access funding you can put toward inventory, a scanner, a lift or an alignment rack, so the cost spreads over time instead of landing in a single week.
Can I get funding while waiting on fleet or insurance payments?
Yes — that wait is one of the most common reasons shop owners come to us. Fleet accounts and insurance or warranty work pay on their own terms rather than at the counter, and the stretch in between is a timing gap rather than a revenue problem. Funding can carry parts and payroll until those payments clear.
How much funding can an auto repair shop qualify for?
Funding is available from $10,000 up to $1 million. The $1 million figure is the ceiling of the range rather than a typical amount — the actual amount available depends on your business and its qualification, and it’s set with your specialist rather than quoted as a single number.
Do I need perfect credit?
No. Credit is one part of the picture, not the whole of it. A specialist reviews how your shop actually performs — deposit history, your mix of retail, fleet and insurance work, how those receivables move — rather than reducing your file to a single score.
What can the funds be used for?
Operating needs paid for by auto repair shop funding: parts and inventory for active jobs, diagnostic equipment, lifts and tooling, bridging fleet and insurance receivables between billing cycles, payroll for technicians through slower stretches, bay buildout or added lifts, and opening or expanding to a second location. Your specialist walks through your intended use with you.
An empty bay is the most expensive thing in the shop.
Parts on the shelf, techs on the clock, and a fleet invoice still out. Keep the bays full and the work moving while the payments catch up.
No obligation · Your information is encrypted and never sold