Funding for Auto Body & Collision Shops

Cover the gap before the insurance check clears — parts, paint, and payroll — with $10K to $5M funded in as little as 24 hours, approved on your deposits, not your credit score.

The cash-flow problem every collision shop knows

You have the car in the bay. You've ordered the parts, the paint booth is booked, and your techs are ready to work. But the insurance company hasn't cut the check yet — and it might not for two, three, or four more weeks. Meanwhile the parts distributor wants payment, PPG wants their paint order paid, and payroll hits Friday no matter what the adjuster says.

That gap between doing the work and getting paid is the whole business. Supplements take days to approve. DRP volume is unpredictable. A big frame job ties up thousands in parts before a single dollar comes back. Working capital funding exists to bridge exactly that gap so you never turn away a job because the money's stuck in someone else's approval queue.

What shops actually use it for

• Parts and paint float — front the cost of a large repair when the insurer pays on the back end
• Equipment — a new frame machine, spray booth, ADAS calibration setup, or downdraft filters that keep DRP work coming in
• Payroll during slow weeks or when a batch of supplements is stuck in review
• Bay expansion or a second location when you're turning cars away for lack of space
• Taking on a fleet or dealer account that requires you to carry costs for 30–45 days before you invoice

A real dollar example

Say your shop deposits around $60,000 a month across your business accounts. On that kind of volume, you could qualify for roughly $40,000–$60,000 in working capital. Use $18,000 of it to cover parts and paint on three frame jobs sitting in your bays, and the rest as a cushion for payroll while the supplements clear. When the insurance checks land two weeks later, the money's already back in the door — but the cars never stopped moving. You keep the throughput, keep your techs busy, and keep the DRP scorecard clean.

Amounts and terms depend on your actual deposits. The point: the offer is sized to what your bank statements show, not what a credit bureau thinks of you.

How it works

• Apply in a few minutes — basic business info, no long package
• Send 3–6 months of business bank statements — that's the real underwriting
• Get a real number back fast from a soft pull, no hard inquiry
• Sign and get funded — as little as 24 hours from signed agreement

Straight answers

Do I need great credit?

No. Approval is based on your business bank deposits. FICO 500+ is fine, and checking your options is a soft pull that won't affect your score.

How fast can I actually get the money?

If your statements are in and you sign before early afternoon ET on a weekday, funding can happen the same day. Sign on a Friday and it typically funds Monday.

How much can my shop get?

Anywhere from $10,000 to $5 million. The amount is driven by your monthly deposits — a shop doing $60K/month lands in a very different range than one doing $250K/month.

Do I have to put up my equipment or building as collateral?

Not for working capital. You can bridge parts, paint, and payroll without pledging your frame machine, booth, or property.

Can I use it for a new spray booth or frame machine?

Yes. Plenty of shops use funding for equipment that expands capacity or keeps DRP relationships strong — as well as for the day-to-day float.

Is this a good fit if my income is lumpy because of insurance timing?

That's exactly what it's built for. Underwriting reads your deposit patterns, so the natural ebb and flow of insurance payments and supplements is understood, not held against you.