Auto Repair Loans
Auto repair loans allow you to purchase, expand, or refinance automotive service properties, including repair shops and body shops.
940+
Loans
854+
Clients
$4.5B+
Funded Loans
Overview
Loan for Auto Repair Shops
Auto repair loans allow you to purchase, expand, or refinance automotive service properties, including repair shops and body shops.
These loans are typically structured based on your property’s value and the equipment used in your repair shop.
However, direct private lenders may also look at your business’s cash flow to structure financing that matches your service mix and bay utilization.
Loan Amount: $2 Million to $10 Million.
Leverage: 65 to 75% LTV.
Amortization: 3, 5, 10, 15, and 25 years.
Loan Terms: 3, 5, 10, and 15 years fixed rates.
Credit Flexibility: High (Asset-Based)
Interest Rates start from 5.99%
Funds allocation within 2 weeks
Lending Areas: Nationwide
Our Recent Closings
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Tailored Loans for Auto Repair Shops
Key Considerations for Auto Repair Loans
When applying for auto repair loans, consider factors such as loan terms, interest rates, repayment flexibility, and your business’s cash flow to ensure the financing supports long-term stability and growth.
Business Financial Performance
Lenders review your revenue and expenses, along with overall cash flow stability.
Property Appraisal Value
Your property’s value helps determine the loan amount and loan-to-value ratio.
Location & Customer Traffic
Busy locations with strong customer traffic often improve financing strength.
Borrower Credit History
A strong credit history helps prove your repayment reliability and lowers your risk to lenders.
Uses of Auto Repair Loan
Uses of Auto Repair Financing
With auto repair financing, you can acquire property, establish a long-term location, refinance debt, fund business expansion, and enhance your garage and customer spaces to support growth and efficiency.
Purchase an auto repair property.
Secure a permanent location for your auto repair business.
Refinance your existing debt to improve the terms or access your equity.
Fund facility expansions.
Renovate garage bays and customer waiting areas.
Eligible Transactions
Our lending programs support diverse commercial real estate transactions such as property purchases, pre-construction funding, repositioning strategies, tenant improvements, and debt consolidation to help maximize your asset value.
Purchase Loans
Note Purchases
Pre Construction
Property Repositioning
Tenant Improvement
Debt Consolidation
Eligible Commercial Properties
Retail Loans
Gas Station Loans
Dental Clinic Loans
Marina Loans
Industrial Loans
Healthcare Loans
Apartment Loans
Funeral Home Loans
Self Storage Loans
Auto Dealership Loans
Day Care Center Loans
Car Wash Loans
Office Loans
Medical Office Loans
Veterinary Office Loans
Hotel Loans
Auto Repair Loans
Restaurant Loans
Featured Loan Programs for Auto Dealership Loans
Permanent Financing
Permanent financing for stabilized dealership properties with consistent business income and long-term plans.
Hard Money Loans
Hard money loans for time-sensitive dealership projects, such as quick acquisitions and renovations.
Bridge loans
Stated Income Loans
Trusted CRE Loan Lender
Why Choose Private
Capital Investors?
Private Capital Investors can help whether you need a $2 million loan to open a new auto body repair shop or $5 million to refinance an existing auto service center. Our team works with you to find financing that fits your business size and financial situation.
If you do not qualify for traditional commercial loan programs due to credit requirements, we offer alternative financing solutions with terms that match your needs.
Rates start from 5.99%
Nationwide Lending
Fast Closings
No Fluff, Direct Decision Making
Excellent Customer Service
Common Sense Underwriting
Frequently Asked Questions
Can auto repair loans be used to buy equipment?
No, you may use auto repair loans to buy repair shops, refinance existing loans, renovate existing property, etc.
Is business revenue considered for auto repair loans?
Yes, lenders will take a look at your business revenue and cash flow to determine whether you can repay your loan over time.
What is the benefit of CRE loan for an auto repair shop?
A CRE loan gives you long-term financing with lower down payment requirements, which can be helpful when you want to buy property or renovate your auto repair shop.
How long are auto repair loan terms?
Loan terms vary depending on the loan type, but many commercial auto repair loans range from short-term options such as 3 to 5 or 10 years to longer-term financing programs like 15 years. At Private Capital Investors, you can get a standard loan that runs from 1 to 3 years.
What documents are required?
You will typically need to provide your bank statements and business financial statements. If you are purchasing property or equipment, you will also need to provide the purchase contract.
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Want to learn more? Get in touch with us today.
Our experienced team is ready to assist with your financing needs.
Address:
2101 Cedar Springs Road Suite 1050 Dallas, TX 75201
Phone:
972-865-6206
Email:
info@privatecapitalinvestors.com