Capital for your shop equipment — Mechanics Financing
We connect independent auto repair shops and fleet maintenance centers with lenders for diagnostic scanners, heavy duty lifts, and facility expansion.
A soft credit inquiry does not affect your credit score.
4.9 Excellent · 3,200+ reviews via Big Think Capital- Diagnostic scanner
- Two-post lift
- Alignment rack
- Shop working capital
- Fleet maintenance
- Facility upgrade
- Heavy-duty gear
- Business credit line
Automotive shop equipment and heavy-duty mechanic business financing
Financing options matched to your situation, in one place.
- Equipment Heavy duty equipment Leasing options for lifts and industrial tools needed for shop expansion.
- Capital Shop working capital Liquid cash flow to cover payroll or unexpected facility maintenance costs.
- Credit Business credit lines Revolving access to funds for recurring supply costs and inventory management.
- SBA SBA loan programs Government backed funding for long term improvements or facility purchase.
- $5K–$500K Available funding amounts
- 24–72 hours Typical time to funds
- 1 soft pull No credit score impact
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Fast decisioning
- Most applications get a response within one business day.
- Minimal paperwork for loan requests under $100k.
Equipment focus
- Lenders understand the depreciation of shop tools.
- Flexible lease terms that match equipment lifespans.
Neutral advice
- We earn fees from lenders, never from your business.
- Our comparison tools prioritize your specific shop needs.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Low personal credit score
Traditional banks often reject shops for past personal credit blips.
Newer shop age
Lenders fear newer shops lack sufficient operational history.
Recent tax liens
Banks see tax issues as an automatic disqualifier for business loans.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Independent shop owner
New heavy duty lift and alignment rack for shop bay.
Fleet service manager
Upgraded OBD diagnostic scanners and software.
Engine rebuild specialist
Expansion of facility for heavy truck repair capacity.
General repair shop
Emergency repair for failed hydraulic pump on main lift.
Shop management insights
Read our latest breakdown on 2026 industry trends and equipment depreciation cycles to help you make smarter facility investments.