Body shops carry expensive equipment and often wait on insurance companies to pay for repairs. Funding covers the booth, the tools, and the parts you front while a claim works its way through.
What auto body shop owners use funding for
- Paint booths, frame machines, and lifts ($15K–$100K+)
- Diagnostic and ADAS calibration equipment
- Parts and materials fronted before insurer payment
- Shop expansion and additional bays
- Working capital while insurance claims are pending
How much can you borrow?
Auto body shops typically borrow $20,000 to $400,000 — equipment financing for booths and frame machines, working capital and A/R financing to bridge insurance receivables.
The cash-flow challenge for auto body shop owners
Insurance-paid repairs can take weeks to reimburse, yet you buy parts and pay technicians up front. A single paint booth or frame machine is a major purchase, and ADAS calibration tools are an ongoing cost as vehicles get more complex.
Tip: Track your insurer receivables like invoices — they're financeable, and bridging them keeps parts and payroll flowing.
Best financing options
Booths, lifts, and frame machines fit equipment financing. Pending insurance payments can be bridged with A/R financing or a line of credit, and expansion suits a term loan.
Before you sign any offer, run the numbers through our business loan & MCA calculator to see the real APR and total payback.
Fund your body shop
Equipment, parts, or expansion — bridge insurance payments and keep bays full.
Check My Funding OptionsFrequently asked questions
How do body shops handle slow insurance payments?
A line of credit or A/R financing bridges the gap, advancing cash against pending claims so you can buy parts and pay technicians without waiting weeks.
Can I finance a paint booth or frame machine?
Yes — these are classic equipment-financing purchases, with the equipment itself serving as collateral to keep rates reasonable.