Funding for shops that actually keep America moving.
Independent auto repair shops, collision and body shops, transmission and specialty garages — we help review funding for them all. We understand parts inventory, insurance-billed work, and the cash flow gap between job-in and job-paid.
Quick answer
MerchantRunway helps auto repair & body shops review working capital and short-term funding options based on revenue, timing, documents, and repayment capacity.
No obligation. MerchantRunway is operated by MerchantRunway.com. MerchantRunway is not a direct lender. We may connect applicants with third-party funding providers. Approval, terms, rates, and funding amounts are not guaranteed.
Typical funding range
Funding amounts vary by revenue, time in business, existing obligations, and provider review.
Funding timeline
Some files can move quickly after documents are complete, but approval and funding timing are not guaranteed.
Who this is for
Established businesses with active revenue, a business bank account, and a specific use of funds.
Typical funding uses
Lifts, alignment, diagnostic equipment
Fund the equipment that lets you take on more profitable work.
Parts inventory
Buy in volume, lock in better pricing, or carry the parts your customers need on the shelf.
Bridge insurance receivables
Cover payroll and operating costs while waiting on insurance carrier payments.
Add a bay or expand the shop
Build out additional bays, paint booths, or service space.
Hire a tech
Cover the first 60–90 days of a new tech's payroll while they ramp up billable hours.
Marketing & lead-gen
Fund Google, fleet contracts, and local marketing pushes.
How approval is evaluated
- Shops with operating history and a business bank account may be reviewed by providers.
- Credit profile is one input; shop revenue, receivables, and existing obligations shape available options.
- Insurance-billed body shops are a great fit — predictable receivables strengthen your file.
- Daily or weekly repayment options match your shop's cash flow.
- We can fund single-bay independents up through multi-location operators.
Documents usually needed
- • Business bank account
- • Recent bank statements
- • Clear use of funds
- • Owner contact information
- • Existing obligations disclosed
Check funding options for your business
Start with a short intake. We review your revenue pattern, business model, timing, and requested use of funds before discussing available capital paths.
Common questions
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Ready to explore your funding options?
Get a clearer understanding of what providers may look for, what documents may be needed, and which funding options may fit your business.