Funding for auto body & collision shops
Insurance claims pay slow; parts suppliers don't. Get matched with working capital for auto repair businesses so the shop keeps moving while the checks catch up.
Free · No obligation · No hard credit pull from us
Collision repair runs on a timing problem nobody designed on purpose: you front the parts, the paint, and the tech hours today, and the insurance check for that car arrives 30 to 90 days after it rolls out. Multiply that by every car in the shop and a profitable operation can still be short on cash every single Friday.
We match body shops with providers who understand claim-based receivables: working capital sized to your deposit history, and equipment financing for booths, frame machines and lifts. The gap between finishing work and getting paid for it is exactly what this kind of funding exists to bridge.
What auto body businesses fund
Parts
Front the parts on big collision jobs without waiting on the claim to clear.
Paint & materials
Keep the mixing room stocked — paint, clear, abrasives and consumables add up fast.
Payroll
Pay techs and painters on schedule even when receivables aren't.
Equipment
Frame machines, spray booths, welders and scanners that expand what you can take in.
Insurance claim delays
Bridge the 30–90 day gap between finishing the car and getting paid for it.
Shop expansion
Add bays, take the unit next door, or open the second location.
Tow & storage cash flow
Cover the costs that pile up before reimbursement on tow-ins and storage.
New tools & lifts
Put in the lift or alignment rack that stops you from turning work away.
Check your options now
Takes a few minutes. Free, no obligation, no hard credit pull from us.
About you
What funders look for in a body-shop file
Three months of business bank statements carry the file. Underwriters look at deposit rhythm — insurance payments arrive lumpy, and providers who fund collision shops know it — plus average balances and how the account behaves between checks. A shop with steady DRP volume reads as lower risk than one living job to job, but both get funded; the pricing differs.
Fixed equipment tells its own story: a paint booth or frame machine on the floor is capacity a funder can understand. If the goal is buying more of it, equipment financing usually beats short-term capital — the term matches the asset's working life and the cost is typically lower.
Bridging the insurance-payment gap without eating the shop
The discipline that makes short-term funding work in collision repair is matching the draw to the receivable: fund the parts for cars you've already written estimates on, not general overhead with no check attached. Money that bridges a specific 60-day claim cycle pays for itself in throughput — cars move, techs stay busy, the supplier keeps your discount tier.
What to avoid is the stack: taking a second advance to service the first. If receivables are the real problem, the fix is usually one properly-sized facility plus tighter claim follow-up — not layers of daily payments. A funder who asks what the money is for is a better sign than one who doesn't.
Funding estimate calculator
A rough range based on typical provider criteria — an estimate, not an offer.
Auto Body funding questions
Insurance companies pay me slowly. Does that hurt my application?
It usually helps explain your file rather than hurt it — claim-based receivables are a known pattern in collision repair. Providers look at your overall deposit history.
Can I finance a spray booth or frame machine?
Yes — fixed equipment like booths, frame machines and lifts is a fit for equipment financing, often with terms matched to the equipment's working life.
What if I have an existing advance?
Disclose it upfront. Some providers offer additional positions or consolidation depending on your revenue and current payment load.
How much can a body shop typically access?
It scales with verified monthly revenue. Use our calculator for a rough range — actual amounts depend on the provider and underwriting.
Should I use equipment financing or working capital for a spray booth?
A booth earns over many years, so equipment financing usually fits better — the repayment term matches the asset's life and pricing is typically lower than short-term capital. Working capital fits the fast-turning costs around it: parts, paint, payroll while claims pay out.
What credit score does a body shop owner need?
There's no single cutoff. Revenue-based providers read your deposits first, so shops with steady volume get matched even with scores in the 500s — at pricing that reflects the risk. Stronger credit mostly unlocks cheaper products like lines of credit and better equipment-financing terms.
See your auto body funding options
Two minutes to check. Free, no obligation, and no hard credit pull from us.