Shift Your Automotive Business into High Gear

Fast, Flexible Automotive Business Financing to Keep You Driving Forward.

Best Automotive Business Financing Options

Same Day Funding Available

Terms Up To 25 Yrs

One Application, Multiple Funding Options

No Hard Credit Check

Estimate Business Funding Approval

Calculate your loan amount in just a few clicks.

Monthly Average Revenue ($)

FICO Score Range

Time in Business

Estimated Approval Range

$0 – $0

* Estimate Disclaimer: The figures are approximations. Loans are subject to lender approval. Depending on the state where your business is located and other attributes of your business and the loan, your business loan may be issued by a member of the AMP Advance family of companies. Your loan agreement will identify the lender prior to your signing.

Minimum Requirements To Qualify

6+ months in business
$10,000 per month revenue
Business bank account

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Fueling Growth in the Automotive Industry

Running a dealership or auto repair shop is no small feat—it takes more than just selling cars or fixing engines to succeed. From day-to-day operational costs to unexpected equipment repairs, automotive business loans provide the financial support needed to keep your business running smoothly. Many auto dealerships and repair shops use car dealership financing or auto repair shop loans to manage cash flow, upgrade service equipment, hire skilled staff, expand their inventory, or renovate their facilities. Whether you need auto business financing or specialized vehicle dealership loans, having access to the right capital can drive your growth and keep your business ahead of the curve.

Compare Loans for auto business financing

auto business financing: Pros & Cons

Pros	Cons
Wide range of financing options for dealerships and repair shops	Some loans may require personal guarantees
Helps manage seasonal cash flow and inventory cycles	Higher interest rates on unsecured or alternative loans
Access to equipment-specific financing for service upgrades	Debt service coverage ratio (DSCR) requirements for approval
SBA 7(a) loans available	Longer approval times for certain loans
Possibility of building business credit	Solid business plan and documentation often needed for best terms

Automotive business financing Application Process

Apply Online in Minutes

Fill out a short, secure application with basic info about your restaurant, funding needs, and contact details—no paperwork or in-person meetings required.

Get Matched with an Offer

We’ll review your application and match you with the best restaurant loan programs, including SBA loans, equipment financing, merchant cash advances, and more.

Get Funded—Fast

Once approved, receive funds directly into your business account—sometimes in as little as 24 hours. Use it to cover equipment, payroll, renovations, or anything your restaurant needs to grow.

When to Use Automotive Business Loans

I appreciate the communication and knowledge the AMP team shared with me. I got the funding I needed in time and was able to pick up a big project I really wanted!

Matthew L.

It is an excellent company, the process to get funded was very easy and fast, and the customer service was very good 👍

Sebastián V.

Great customer service. Everyone was very friendly but still professional. They went the extra mile to help me get funding. They are awesome!

Stephanie D.

What our clients say about us

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YOU GOT QUESTIONS? WE HAVE ANSWERS!

How do I qualify for an automotive business loan?

To qualify for an automotive business loan we require at minimum:

6 months in business
$10,000 monthly gross revenue
Business bank account
US based business
US citizen or legal permenant resident
Startups may need stronger credit scores or additional collateral to get approved.

Can auto repair shops or dealerships get loans as startups?

Yes, but it’s tougher. Startup auto repair shops and dealerships can qualify for specialized programs like SBA startup loans or equipment financing. A strong business plan, industry experience, and upfront investment can help improve approval odds.

Can I get a auto repair shop loan or vehicle dealership loan with bad credit?

Yes. Auto business financing for dealerships and repair shops with bad credit are often offered through unsecured loans or merchant cash advances. Expect higher interest rates, but strong business cash flow can help offset credit challenges.

What can car dealership financing be used for?

Auto business financing can be used to purchase inventory, upgrade equipment, renovate locations, hire employees, boost marketing, or manage seasonal cash flow for dealerships and repair shops.