Keep your bays full and your shop running
Auto repair shops need capital to stock parts, upgrade lifts and diagnostic equipment, and handle the seasonal swings that come with the business. Between rising parts costs and the pressure to invest in advanced diagnostic technology for modern vehicles, shop owners often face cash flow crunches that limit growth. Bay Street Lending matches you with financing built for shop owners — fast approvals, flexible terms, and lenders who understand your revenue model. Whether you are expanding your service bays, hiring technicians, or stocking up before a busy season, our network of 50+ lenders offers options that fit how your shop actually operates.
A four-post lift costs $5K–$15K. Diagnostic scanners run $3K–$10K. Financing spreads these costs over time.
Keeping common parts in stock means tying up cash. Working capital lets you buy in bulk and save.
Winter and summer bring repair surges. A credit line helps you staff up and stock parts ahead of demand.
Yes. Equipment financing covers lifts, alignment machines, diagnostic tools, tire changers, and any other shop equipment. The equipment itself serves as collateral.
Working capital can fund in as fast as 6 hours. Equipment financing typically funds within 15 days depending on the equipment value.
Shops with 6+ months in business and $10K+ monthly revenue can qualify for working capital. Equipment financing may require 1+ year.
One application, no credit impact, and a dedicated specialist to walk you through your options. See what you qualify for in minutes.