Funding for your day-to-day auto repair shops needs.
- Add a bay, build a lift, or expand the shop footprint
- Buy equipment: alignment systems, scanners, lifts, frame benches
- Stock parts inventory for the season or for fleet contracts
- Cover essential costs alongside existing financing when affordable
- Acquire a second shop or buy out a retiring partner
Financing options for your Canadian business.
Working capital is a common starting point where appropriate. Term loans may also be available, with each offer and schedule set by the lender.
Term Loan
Equipment, bay buildouts, and expansion, with a lender-set payment schedule.
Learn more →Line of Credit
For the strongest business and credit profiles only. May be considered for parts inventory and seasonal swings, subject to lender review.
Learn more →Revenue-Based Financing
May be considered for shops with strong daily sales, subject to lender review.
Learn more →Start with the right information.
Working-capital applications are generally considered for Canadian businesses with at least six months in operation and at least $10,000 in monthly revenue. Approval depends on lender review, and additional documents may be requested.
What to prepare
- Recent business bank statements
- Existing financing obligations
- How you intend to use the funds
Three steps from application to lender decision.
Apply in minutes
Share your business details and connect your bank or upload recent statements.
Compare real offers
See every product your business qualifies for side-by-side. No estimates, no bait pricing.
Review the offer
If approved, review the lender’s schedule, costs, and conditions before you decide.
Canadian auto repair financing: common questions.
Do you finance independent shops or only franchisees?+
Independent and franchised shops can apply. Underwriting considers the business profile, not brand affiliation alone.
Can I finance specific equipment?+
Yes. Alignment systems, lifts, scanners, frame benches, and similar are commonly financed via term loan or dedicated equipment facility.
What about body shops and collision?+
Body shops and collision centers are well-supported. We have lender partners familiar with insurance-paid AR cycles and DRP programs.
I have existing financing. Can I apply?+
You can apply when new financing is affordable alongside existing obligations. Lenders review the full payment burden and may request additional documents.
How fast can I get equipment funded?+
Timing depends on the equipment, documents, and lender review. Larger requests can take longer.
Other industries we fund.
Ready to fund your company's future?
Start your Canadian business funding application online. An advisor will review your needs and explain any available lender offers.