Built For Auto Repair Shops
Find Auto Repair Shop Funding,Honestly.
Tell us your monthly sales, time in business, and what the money is for. We match your shop to funders and show the real dollars you would pay back.
Free, no hard credit pull, about 3 minutes. Or see the true cost first.
See your options with no hard credit pull and no obligation. Final terms come from the funding partner.
Wayfind is an independent referral broker, not a lender, and may receive compensation from lending partners.
A factor rate is not an APR. The fee is fixed and does not shrink if you repay early.
An illustrative example at pricing common for auto repair shops, never an offer. Funders set real terms; we show you their math this plainly before you decide.
◆Been Told No Already?
A slow month is not a verdict on your shop
If your counter runs a Square or Clover terminal, you have probably watched their capital offers appear, shrink, or vanish on their own schedule. Those offers follow your card volume, so a slow car-count month can pull the offer exactly when you need it most. A decline there, or an offer that disappeared before you could take it, is not a verdict on your business. It is one algorithm reading one data stream. Wayfind looks at the whole shop, looks for the funding partners whose criteria fit auto repair, and shows you the true cost in real dollars before you commit. Free to your shop, and no hard credit pull to see options.
Free, no hard credit pull, about 3 minutes.
◆What The Money Is For
Funding for the way a shop actually runs
From a slow car-count month to a new alignment rack, we match you to the right kind of money and show the real cost before you commit.
EQUIPMENT FINANCE
Add a Lift or Alignment Machine
Stop turning away work because the bays are full. Another lift or an alignment rack pays for itself in the jobs you are already sending down the street. See the real cost of financing it first.
PARTS INVENTORY
Stock Fast-Moving Parts
Parts prices and cores keep climbing, and a car sitting on the lift waiting for a supplier run does not pay. Working capital to keep the parts you turn every week on the shelf.
WORKING CAPITAL
Make Payroll in a Slow Car-Count Month
When car count drops, payroll and flag rates do not. Bridge a slow month without losing the tech you spent years finding, and see exactly what the bridge costs before you take it.
GROWTH CAPITAL
Bring ADAS Calibration In-House
Windshields and bumpers come with cameras now. Calibration rigs and scan tools cost more than most banks will touch for a shop, but the sublet work you keep is yours for good.
SHORT-TERM BRIDGE
Front Marketing When Car Count Dips
Empty bays do not fill themselves. Fund a marketing push when the schedule thins out, with the full repayment amount in plain dollars before you commit.
UNPLANNED COSTS
Fix the Breakdown You Did Not Plan For
A dead compressor or a lift that fails inspection can stop the whole shop. Funding to fix it now instead of losing a week of work.
◆Straight Answers
Questions owners actually ask
Free to you. No hard credit pull. We are a broker, not a lender, and the calculator shows real dollars.
Will checking my options hurt my credit?
No. Seeing your options through Wayfind does not involve a hard credit pull. If you decide to move forward with a funding partner, that partner runs its own review and sets the final terms, and it will tell you before any hard pull happens.
Square or Clover already declined me or pulled my offer. Does that hurt my chances?
No. Those offers track the card volume on one terminal, so a slow stretch can shrink or remove them automatically. Independent funders read your full bank statements, time in business, and overall revenue, not just one processor's feed, and some specialize in auto repair. Our job is to match your shop toward the ones whose criteria actually fit.
My revenue is a mix of card, fleet accounts, and warranty work. Does that matter?
Yes, and it is worth being upfront about. Shops with heavy fleet or extended-warranty receivables can look smaller on paper than they really are, because some funding partners weight card sales. Send full bank statements and tell us about the mix, plus any existing advances you are already paying on. Disclosing everything up front is what keeps the most options open.
When is an advance the wrong move for a shop?
Honestly, more often than most brokers will say. If car count has been falling for months and there is no concrete plan to bring it back, an advance can dig the hole deeper, because repayment starts right away. And for long-life equipment like a lift, a bank equipment loan or SBA loan is usually cheaper if you can wait weeks instead of days. We will tell you when that is the better path, even though it means we make nothing.
More detail in our guides and the true cost calculator.
◆Get Started
See your shop's options, honestly
Free to your shop, no hard credit pull, no obligation. Wayfind matches you to a funding partner. The partner, not Wayfind, reviews, approves, sets terms, and funds.
See My Funding OptionsWe currently serve businesses in Florida, Georgia, Illinois, Ohio, Arizona, Nevada, and Colorado.
Wayfind is an independent referral broker, not a lender, and may receive compensation from lending partners.