01
Bay utilisation
Measure whether new ramps or diagnostic kit remove a genuine capacity constraint in the workshop.
Automotive & Garages
Capital for garages and bodyshops.
Funding for independent garages, MOT centres, bodyshops, tyre and exhaust specialists, car dealerships and recovery operators.
£5k – £5M
Funding range
3 – 24 mo
Repayment terms
File dependent
Review timing
Before choosing funding
Tie equipment spend to workshop throughput
A useful facility should follow the commercial cycle it is paying for. These are the details worth testing before comparing offers.
02
Parts cash cycle
Insurer and fleet work can delay cash while parts suppliers require faster payment.
03
Stock risk
Vehicle stocking needs a different risk and repayment plan from workshop equipment or a premises refit.
What to prepare
Having these ready makes the first review more useful and reduces avoidable follow-up.
- Workshop booking report
- Bank and card statements
- Equipment or vehicle stock schedule
- Insurer and fleet receivable ageing
Questions worth asking
Use these to compare the repayment structure with the way your business earns cash.
- 01What extra jobs can the equipment complete each week?
- 02Is the use equipment, stock or working capital?
- 03How long do major customers take to pay?
Independent automotive operators run on equipment, parts inventory and forward bookings. Diagnostic tooling, ramps, spray booths and MOT lane equipment carry serious capex; insurer-paid bodywork stretches receivables.
We work with garages, bodyshops and dealerships across the UK. Underwriting reads card take-up, customer mix and recurring service revenue.
Typical use cases
- Two and four-post ramps, diagnostic kit, MOT lane
- Spray booth, prep bay and bodyshop equipment
- Parts inventory and supplier deposits
- Forecourt stock for used car dealers
- Premises refit, signage and reception
- Apprentice and technician recruitment
Useful reading
Go deeper before you decide.
Practical guide6 min read
Asset finance UK: hire purchase, leasing and refinance explained
Hire purchase, finance lease, operating lease and asset refinance, how each works, tax treatment, and which suits your business.
Practical guide4 min read
Working capital loans in the UK: the operator's guide
Working capital finance covers the gap between money going out and money coming in. Here's how UK operators use it well.
File based
Review timing
£5k–£5M
Facility size
Explained
Search process
Clear
Written terms
Funding most suited to automotive & garages
Merchant cash advance
Advance against future card receipts. Repay as a small share of daily settlements.
Learn moreRevenue based financing
Repayments calibrated to top-line cash receipts. Eases in quieter months.
Learn moreTerm business loan
Fixed monthly repayments over 3 to 24 months for planned investment.
Learn moreFrequently asked
Do you fund used car dealers?
Yes. Forecourt stocking is reviewed alongside trading history, gross margin and turn rate.
Can MOT lane equipment be funded?
Yes. Class 4 and Class 7 MOT lane installs are common uses of our term and asset facilities.
What about insurance approved bodyshops?
Insurer-paid receivables are factored into the cash flow view. A clear schedule helps the file.
Is this available to single-bay garages?
Yes, subject to monthly turnover and the facility size requested.
When the bank says no, we take a closer look.
Start with a short initial enquiry. If a credit search is needed later, it will be explained first.
Check eligibility