No Hard Credit Pull · Same-Day Funding Available

You Keep Cars on the Road. Your Cash Is Stuck Under the Hood.

Lifts, scanners, parts inventory, payroll — your shop needs capital to keep bays turning. We match you with 70+ lending partners who fund auto repair shops daily and understand your business.

No hard credit pull to check your rate
Revenue-based — not just your credit score
70+ lending partners compete for your deal
Equipment, working capital, and expansion
$5M
Max Funding
Per deal or stacked
4hrs
Fastest Funded
Same-day available
No Min
FICO Required
Revenue-based approval
70+
Lenders Compete
You pick the best offer

Needed a new lift and diagnostic scanner — $25K total. Bank wanted 3 years of tax returns. Basecamp Funding funded me in 48 hours. I added a bay and my weekly output went up 30%.

★★★★★ — Tony R. · Independent Shop · 4 Bays · Denver, CO

No Minimum Credit Score$10K+ Monthly Deposits6+ Months OperatingNo Hard Credit PullAll Shop Types Welcome

Check Your Rate

Find Out What You Qualify For in 60 Seconds

Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.

Estimated range appears instantly
Auto-advances as you answer — no extra clicks
Soft credit pull only — your FICO stays untouched
Real specialist reviews your file within the hour
No obligation — see your options and decide
Estimate
Revenue
History
Contact

See What You Could Qualify For

Slide to your average monthly bank deposits.

$10K$50K/mo$500K+

Estimated Approval Range

$50K$75K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

Your Deal Gets Shopped Across 70+ Lending Partners Including

BlueVineA Rated
KabbageA Rated
OnDeckA+ Rated
FundboxA Rated
Celtic BankA Rated
Cross RiverA Rated
Ready CapitalA Rated
SmartBizA Rated

+ additional SBA lenders, community banks, credit unions, and specialty finance companies

Why Basecamp Funding

How We Compare

Not all funding sources are created equal. Here's how we stack up against your other options.

Basecamp FundingTraditional BankEquip. FinancingMerchant Cash Advance
Time to FundedSame day – 3 days60 – 90 days1 – 4 weeks1 – 3 days
Use of FundsAnything — equipment, parts, payroll, rentRestrictedEquipment onlyWorking capital only
Touches Daily Sales?No — fixed repaymentNoNoYes — daily card deductions
Min. Credit ScoreNone680+600+None
Lenders Competing70+111
Collateral RequiredUsually noYesEquipment is collateralSometimes
Documentation3 mo. bank statementsTax returns, financials, projectionsEquipment quotes + financials3-4 mo. processing statements
Effective CostCompetitive APRLow APR but slowModerate APR40-200% effective APR
Can Stack Multiple ProductsYesNoNoSometimes
Dedicated SpecialistYes — humanBranch bankerSales repSales rep
Check What I Qualify For →

How It Works

From Application to Funded in 5 Steps

No paperwork avalanche. No bank lobby. No guessing.

📱
1

60-Second Application

Answer 4 questions. No documents needed yet.

🔒
2

Soft Credit Check

Zero impact on your FICO. Score stays untouched.

🏦
3

70+ Banks Compete

Multiple lenders see your deal. Best terms surface.

4

Pick Your Best Offer

Compare rates, terms, and amounts. You decide.

💰
5

Get Funded

Sign digitally. Funds in your account — same day available.

Use Your Capital For

9 Ways Auto Repair Shops Use Basecamp Funding Funding

🔧

Lifts & Shop Equipment

Two-post lifts, four-post lifts, alignment racks, tire changers, balancers. Upgrade without draining reserves.

💻

Diagnostic Tools & Software

OBD scanners, ADAS calibration, shop management software. Stay current with modern vehicle tech.

🏗️

Facility Expansion

Add bays, build a waiting room, pave the lot, open a second location. Grow your capacity.

🔩

Parts Inventory

Stock fast-moving parts in-house. Reduce wait times, improve margins, turn jobs faster.

👨‍🔧

Hiring & Payroll

Recruit skilled mechanics with signing bonuses. Cover payroll during slow weeks. Invest in ASE training.

EV & Hybrid Readiness

EV-rated lifts, high-voltage tools, charging infrastructure, technician certification. Future-proof your shop.

📈

Marketing & Customer Acquisition

Google Ads, Yelp, social media, direct mail, referral programs. Fill your bays with the right jobs.

🔄

Debt Consolidation

Refinance predatory MCAs, high-interest loans, or vendor debt into one manageable payment.

🚗

Tow Truck or Service Vehicle

Add a tow truck, mobile service van, or customer shuttle. Expand your reach and revenue.

Full Transparency

What Kills Your Qualification (And What Doesn't)

Most lenders won't tell you this upfront. We will.

✅ These Won't Stop You

Low personal credit score (no minimum FICO)
Seasonal or slow-week revenue dips
Small shop — even 1-2 bays
Existing equipment loans or leases
Cash + card revenue mix
No collateral beyond shop equipment
Less than 2 years in business (6 months is fine)
Prior bank denial for financing

🚫 These Can Be Deal-Breakers

Less than $10,000/month in bank deposits
Less than 6 months in operation
No business checking account
Active (undischarged) bankruptcy
Negative average daily bank balance
Heavy NSF/overdraft activity on statements
Active EPA violations or environmental orders
Undisclosed existing positions or defaults
Check If I Qualify \u2014 No Credit Impact \u2192

Before You Apply

What to Have Ready

Having these speeds up your approval. Don't have everything? Start anyway — we'll guide you.

3 months of bank statements

PDF download or online banking credentials

Business checking account

Must be a dedicated business account

Valid business license or EIN

Proof your business is registered

Government-issued ID

Driver’s license or passport

Outstanding debt details

Existing loans, MCAs, or credit lines

Approximate monthly revenue

Doesn’t need to be exact

The EV Revolution Won’t Wait for Your Shop to Catch Up

EVs and hybrids are filling your parking lot whether you’re ready or not. New diagnostic tools, EV-rated lifts, high-voltage certifications — shops that invest now will own the next decade. A pre-approved credit line costs nothing until you draw it. Be ready when the opportunity hits.

Check My Rate While My Numbers Are Strong →

No credit impact · No obligation · 60 seconds

Ready?

See What You Qualify For. No Credit Impact. No Obligation.

Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.

Estimated approval range appears instantly
Auto-advances — no extra buttons to click
Soft pull only — FICO untouched
70+ lenders compete for your deal
No obligation to accept any offer
Estimate
Revenue
History
Contact

See What You Could Qualify For

Slide to your average monthly bank deposits.

$10K$50K/mo$500K+

Estimated Approval Range

$50K$75K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

Financing by Shop Type

Every auto business. Click yours for tailored options.

FAQs

Auto Repair Shop Loan FAQs

Your Shop Shouldn’t Close a Bay Because You’re Short on Capital

60 seconds. No credit impact. No obligation.

See What I Qualify For →

No hard credit pull · Free to check · Nationwide

See What I Qualify For → — 60 Sec →