Funding for auto repair shops that are keeping up with new cars
Zippi funds independent repair shops, tire and service centers and collision shops directly. Funding up to $500,000.
*Average completion time 3 minutes.
Why Auto Shops Choose Zippi?
We believe in people, not algorithms.
Quick as an oil
change.
Apply in minutes. Get funded in hours.
Built for garage
pros.
From solo wrenchers to busy multi-bay shops, we’re made for you.
Terms that keep your shop in gear.
Straightforward terms and stress-free repayments.
How Auto Shop Funding Works.
You get the funding up front. Repayment is a fixed daily or weekly amount, or a share of your daily or weekly sales, taken automatically from your business bank account. In Nevada, Texas, Utah, South Dakota and Delaware, Zippi offers a business loan.
Start by applying.
Any green button will do.
Provide some basic details.
Takes 3 minutes!
Share account details.
(3-4 months bank statements).
Who Can Apply for Auto Repair Shop Funding?
Zippi funds auto shops open at least 12 months. We work with:
Independent auto repair, body, or collision shops.
Specialties like tires, transmissions, paint, or diagnostics.
Shops with one bay or high-volume multi-bay operations.
Garages with at least 12 months of consistent customer revenue.
Owners, partners, or lead operators actively managing the business.
If you're building a thriving auto shop, we're here to back your next stage of growth.
Apply in minutes
Common Uses for Auto Shop Funding.
Every new model year adds sensors, cameras and software. One full ADAS calibration system lists at about $34,730, and a shop can't do the job without it. Parts are bought before the customer pays. (PartsTech 2025 State of the Automotive Aftermarket; Autel ADAS list price)
Buy diagnostic scanners and ADAS calibration equipment.
Add lifts, alignment machines and tire equipment.
Stock common parts so jobs don't wait on deliveries.
Hire and train another technician.
Add a bay or move to a bigger building.
Cover cash flow from slow-paying claims.
What Auto Shop Owners Are Saying.
Minimum Requirements.
To boost your chances of getting approved, make sure you meet these basic criteria to prequalify for auto shop funding with Zippi.
$20,000+ in Monthly Sales.
Your business must bring in at least $20,000 in gross sales every month, including slow months.
Business Owner.
You’re the owner or the person authorized to make financial decisions for the business — including applying for funding on its behalf.
Over 12 Months in Business.
Your shop needs to have been open at least 12 months. We can't fund shops in their first year yet.
Have a Business Bank Account.
You must have a business bank account where you deposit sales. A personal bank account does not qualify.
Trusted by local businesses across industries.
We’ve partnered with businesses like yours— veterinary clinics, local bakeries, gadget shops, restaurants, and more—to help them reach their next milestone.
Restaurants
Construction
Gas Stations
Transportation
Grocery Stores
Veterinary Clinics
Agriculture
And more...
Auto Repair Shop Funding FAQs
1. How fast is funding?
You can get funded in hours after you complete our 3-minute application and share your bank statements.
2. Can I use it to buy equipment?
Yes. The funding isn't tied to the equipment, so you pick the tools and the seller.
3. How much funding can I qualify for?
You may be eligible for up to $500,000, depending on your shop’s financials.
4. What do I need to apply?
Just your business details and 3–4 months of bank statements. That’s it.
5. What can I use the funding for?
Use Zippi funding to:
- Hire new techs or front-desk staff
- Purchase lifts, spray booths, or diagnostic tools
- Restock paint, tires, or repair parts
- Expand your garage or open more bays
- Launch ads, update signage, or promote online
- Cover cash flow while waiting on insurance payouts
6. How is Zippi different from a traditional bank loan?
No slow approvals. No confusing terms. No paperwork pileups. Zippi is made for busy shop owners.
7. Do you only fund auto shops?
Auto shops are a core focus, but we also fund other skilled trades and small businesses across the U.S.
Let’s Grow Your Business Together.
We provide fast, flexible funding to help you reach your next milestone. Apply today and move one step closer to your goals.
