AUTO REPAIR FUNDING
Capital for shops that fix cars on tight margin.
MCA, equipment financing, working capital, and consolidation for independent auto repair, body, and tire shops. Same-day funding when the lift fails or the parts bill lands.
Independent shops do not get bank love.
The math at an independent shop does not look like a bank wants. Fluctuating monthly revenue, parts inventory tied up in cars, customers who pay slowly, and a margin structure tighter than the bank’s spreadsheet templates handle.
We underwrite shops on the things that actually matter: deposit consistency, ROs through the bay, and how long you have been at the address. Same-day MCA when a lift dies. Equipment financing for diagnostics or alignment racks. Working capital for parts buys ahead of season.
WHY DYNAMIC
Why repair shops pick Dynamic
Same-day MCA
When equipment goes down, we get cash to the shop before close of business.
Equipment financing
Lifts, alignment racks, diagnostic gear, paint booths. Equipment is collateral, qualifying is easier.
Consolidation
Already stacked with two MCAs? We restructure into one cleaner deal.
“I was juggling two MCAs and barely making it through the week. They restructured the whole thing into one cleaner deal.”
— Jorge M. · Auto Repair Shop Owner, NJ
PRODUCTS WE STRUCTURE FOR THIS INDUSTRY
See what fits your business.
Three-minute application. No credit impact. Your dedicated specialist calls back inside one business hour.