Funding for Tire & Auto Service Shops

Stock the racks, upgrade the lifts, and ride out the slow months — approved on your deposits, not your credit score, funded in as little as 24 hours.

The cash-flow reality of running a tire shop

A tire and auto service shop lives and dies by two things: what's on the racks and what's in the bays. You buy tires by the truckload to get real margin, but that inventory sits as cash on the wall until a customer rolls in. Meanwhile a season change — the first cold snap or the first heat wave — can double your traffic overnight, and you either have the stock to sell or you send customers to the shop down the road.

Add in the big-ticket equipment: a two-post lift, an alignment rack, a modern tire changer and balancer, a diagnostic scanner. Any one of those can run five figures, and they don't wait for a good month to break down. That's the squeeze — you need capital sitting ready before the demand shows up, not 30 days after.

A real dollar example

Say winter is three weeks out and your main supplier offers a pre-season deal: order $28,000 in tires now and lock in a discount that saves you roughly $4,000 versus buying week-to-week. You don't want to gut your operating cash to do it. You take $30,000 in working capital — $28K for the inventory buy, $2K cushion — and pay it back out of the sales that inventory generates over the season. You keep the discount, keep the shelves full, and never miss a sale because a size was out of stock. That's the whole idea: put capital to work where it earns more than it costs.

How the funding works

• Amounts from $10,000 to $5,000,000 — enough for a single inventory buy or a full bay build-out.
• Approved on your bank deposits, not your credit score — if your shop is doing steady revenue, that's what we look at.
• Soft credit pull to check — seeing your options won't ding your score. FICO 500+ is fine.
• No collateral for working capital — you're not putting the shop or your equipment on the line.
• Funded in as little as 24 hours — so a pre-buy window or a broken lift doesn't cost you the busy weeks.

Straight answers

How fast can I actually get funded?

If we have your bank statements and a signed agreement back before early afternoon Eastern on a weekday, funding can hit the same day. Later than that, or on a Friday, it lands the next business day — a Friday finish typically funds Monday.

Will checking hurt my credit?

No. Checking your options is a soft pull, so your score isn't affected. We approve based on your business deposits, and FICO 500+ is workable.

What can I use the money for?

Anything the shop needs — bulk tire and parts inventory, lifts and alignment equipment, tire changers and balancers, payroll through a slow stretch, rent, marketing, or a same-day equipment repair.

Do I need to put up collateral?

Not for working capital. You keep your equipment and your building out of it.

What do I need to apply?

Just your recent business bank statements and a few basic details about the shop. Most owners finish the application in a few minutes.

How much can I qualify for?

Anywhere from $10,000 up to $5,000,000, depending mostly on your monthly deposits. The steadier your revenue, the more room you have.