Get fast capital to expand your auto repair shop, upgrade equipment, or increase inventory while keeping pace with NYC's demanding automotive service market.
New York City's auto services businesses face unique challenges from high commercial rents in boroughs like Manhattan and Brooklyn to the constant need for specialized equipment and certified technicians. Whether you operate a collision repair shop in Queens, a quick-lube service in the Bronx, or a full-service garage in Staten Island, having access to working capital is essential for managing inventory, upgrading diagnostic equipment, and handling seasonal cash flow fluctuations.
Auto services owners in New York City choose Spartan Capital because we understand the fast-paced nature of the automotive repair industry and the importance of maintaining operations without interruption. Our revenue-based financing model aligns with your business's natural cash flow patterns, allowing you to access capital during slower periods and repay more when business is booming. With no hard credit pulls and approval decisions made the same day, you can focus on serving customers instead of waiting weeks for traditional bank approval.
The funding process for auto services businesses is streamlined to get you back to work quickly - simply submit your application online and provide basic revenue documentation from your shop's operations. Our underwriting team evaluates your business's performance rather than just credit scores, making funding accessible even for newer shops or those recovering from economic downturns. Once approved, funds can be in your account within 2 hours, allowing you to purchase parts, pay suppliers, or invest in equipment upgrades immediately.
Online application takes 2 minutes. No hard pull.
Same-day decision — typically within an hour.
Funds in your account in as little as 2 hours.
Auto services businesses in New York City typically qualify with monthly revenues of $10,000 or more and at least 6 months of operating history. We work with all types of automotive service providers including general repair shops, specialty services like transmission or brake specialists, and mobile mechanic operations. Even businesses with less-than-perfect credit can qualify since we focus on your revenue performance and business potential rather than traditional credit metrics.
Yes, Spartan Capital provides same-day approval and funding in as little as 2 hours for qualifying auto services businesses in New York City, allowing you to quickly address equipment repairs, inventory needs, or cash flow gaps.
Up to $500K
No, our revenue-based financing for auto services businesses does not require collateral, equipment liens, or personal guarantees, making it easier to access capital without risking your shop's assets.
Repayment is based on a percentage of your daily revenue, automatically adjusting with your auto shop's cash flow so you pay more during busy periods and less during slower times, providing natural flexibility for seasonal fluctuations.
Spartan Capital funds every type of business in New York City. Explore funding for other industries below.
2-minute application. Soft pull only. Funding in as little as 2 hours.