Mon–Fri · 8am–6pm ET
(813) 790-6945
Lattice Advances
Serving Tampa Bay, FL

Auto Repair Shop Financing for Tampa businesses

Lifts, diagnostics, and working capital for auto repair shops.

  • No upfront fees, ever
  • One dedicated advisor
  • Multiple lender options compared
  • Clear yes/no — fast
Call (813) 790-6945Apply Now
No upfront fees
No obligation
Same-day pre-review
One advisor, start to finish
What it is

Auto Repair Shop Financing, in plain language

Auto and collision shops are equipment businesses — lifts, alignment racks, diagnostic scanners, and a bay configuration that keeps cars moving. Repair-shop financing funds that equipment, shop build-out or expansion, and the working capital to carry parts inventory and payroll between customer payments and insurance reimbursements.

Across the Tampa Bay area, independent shops compete on turnaround and capability, and outdated diagnostic equipment costs you jobs. We connect shop owners with lenders who understand the automotive model — including equipment financing where the lifts and machines secure the loan — so you can add a bay or upgrade tooling without draining the register.

Who it's best for

Is this the right fit?

  • Auto, collision, and specialty repair shops
  • Owners adding bays, lifts, or diagnostic equipment
  • Shops carrying parts inventory and payroll between pay
  • Operators opening or acquiring a location
Typical terms

The factual specifics

Approximate, lender-dependent ranges so you can scan and compare. We'll confirm exact numbers for your file on the first call.

Loan amount
$25K – $5M
Term length
Varies by structure
Funding speed
Days to a few weeks, depending on the product
Qualifying basics
Underwriting is built around the realities of your industry — licensing, seasonality, and asset mix.

Final rates, fees, and terms depend on the lender and the borrower's profile. Nothing on this page is an offer or guarantee of credit.

How to apply

From first call to funded

Four straightforward steps. No fee to apply, no obligation to proceed.

  1. 01
    01

    Quick conversation

    A 10-minute call to understand your business, goal, and timeline. No credit pull required.

  2. 02
    02

    Document review

    Send three months of business bank statements. We review and shop your file the same day.

  3. 03
    03

    Side-by-side offers

    We bring back the best two or three structures — rate, term, payment, total cost — laid out plainly.

  4. 04
    04

    Funded

    You choose. We coordinate closing. Most clients see funds within days, not weeks.

Benefits

Why borrowers choose this program with us

Dedicated advisor

One person owns your file start to finish — no call-center handoffs.

Lender network

We shop your scenario across multiple lenders and bring back the best fits side by side.

No upfront fees

Nothing to pay to apply, review options, or walk away.

Fast, honest answers

Same-day pre-review on most files. Clear yes/no, not endless follow-ups.

Common uses

How Tampa businesses use this financing

A few real-world scenarios where this product tends to be the right tool. Not a checklist — just a sense of where it fits.

Talk it through
  • Lifts, alignment racks, and diagnostic tools
  • Shop build-out and additional bays
  • Parts inventory and working capital
  • Acquiring an existing shop
  • Refinancing equipment debt
FAQ

Common questions about Auto Repair Shop Financing

Can the equipment secure the loan?+

Yes — lifts, racks, and diagnostic machines are financeable with the equipment as collateral, which often eases approval and speeds funding.

Can I get working capital too?+

Yes. We can pair equipment financing with a working-capital option so you can stock parts and cover payroll between jobs.

Does insurance-reimbursement timing matter?+

For collision shops, yes — we factor in the lag on insurance payments when sizing working capital so cash flow stays healthy.

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Ready when you are

Talk through auto repair shop financing with a real advisor

One conversation, real options, no obligation. Most callers get a clear path forward on the first call.

Call (813) 790-6945Apply Now

Mon–Fri · 8am–6pm ET

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