revenue-based funding for auto repair & service
Revenue-Based Funding for Auto Repair & Service businesses. Built for auto repair & service cash flow.
Revenue-based funding uses your monthly business income, not your personal credit history, to determine how much capital you can access. If your register is ringing, your capital is waiting.
- Max funding
- $500K
- Term
- 3–18 months
- Time to fund
- 24 hours
- Min FICO
- 500+
The short answer
Is Revenue Funding the right fit for Auto Repair & Service businesses?
Working capital for parts inventory, staffing, and shop improvements based on your monthly service revenue.
Last updated 2026-06-24
Why this fit
Common cash-flow gaps in auto repair & service. Revenue-Based Funding maps to the ones below.
These are the underwriting realities and operational pressures we see most often in this industry.
Diagnostic Equipment Costs
Modern vehicles require sophisticated diagnostic tools that cost $10K–$50K per unit. Falling behind on technology means losing customers to shops that invested.
Bay Expansion
More bays mean more throughput. But construction, lifts, and equipment for a new bay is a $50K–$150K investment that most banks won't fund for a small shop.
Parts Inventory Float
Carrying a parts inventory ties up cash. Seasonal demand spikes (winter tires, AC season) require stocking up before the revenue arrives.
Representative scenario
What a typical auto repair & service revenue-based funding looks like. Numbers below are illustrative.
Your actual offer depends on your bank statement history, time in business, credit profile, and existing debt.
Rates vary by applicant. Representative example only.
Qualification
What we look for in auto repair & service files. Underwriting, in plain language.
- Minimum 6 months operating as a licensed auto repair shop
- $15,000+ monthly revenue
- 500+ personal credit score
- Active business bank account
Other ICG products for auto repair & service
Not the right fit? Here is what else works in your industry.
Common questions
Revenue-Based Funding for auto repair & service. Honest answers, no fine print games.
QDo you fund collision shops and mechanical shops equally?
Yes. Both qualify under the same guidelines. Collision shops with DRP (direct repair program) contracts often benefit from invoice factoring on top of working capital.
QCan I finance a used lift?
Yes. ICG finances new and used equipment. Used lifts under 10 years old with documented hours are routinely approved.
QWhat if I fail my state inspection license renewal?
You must maintain a valid state auto-repair license for the duration of your funding. Let your specialist know immediately if your license lapses.
QDoes applying affect my credit score?
No. We perform a soft credit inquiry during the initial review, which does not impact your credit score. A hard pull may occur only after you accept a funding offer.
QHow is the repayment amount determined?
Repayment is based on a percentage of your daily or weekly revenue. The exact amount is fixed at the time of funding so you always know what to expect.
QCan I pay off early?
Yes. Many of our revenue-based funding agreements allow early payoff with a discount on the remaining factor rate balance.
Revenue-Based Funding for other industries
Where else this works. One product, many verticals.
Ready when you are
Ready to fund your auto repair & service business? 24 hours to fund.
Quick application. Soft credit pull only. Real human review.