What tire shop owners use funding for
- Tire inventory ahead of seasonal changeovers
- Mounting, balancing, and alignment machines
- Lifts, air systems, and diagnostic tools
- Shop expansion and additional service bays
- Working capital for slow stretches between seasons
How much can you borrow?
Tire shops typically borrow $15,000 to $250,000 — inventory financing and working capital for stock, equipment financing for lifts and alignment machines.
The cash-flow challenge for tire shop owners
Winter and seasonal changeovers drive demand, so you buy inventory ahead of the rush and hold it. Tires are bulky, capital-heavy stock, and matching purchasing to demand is a constant balancing act.
Stock up for changeover season with a line of credit you can draw and repay as inventory turns, rather than a fixed loan.
Best financing options
Inventory buys fit working capital or a line of credit you repay as tires sell. Alignment machines and lifts suit equipment financing, and adding bays 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 tire shop
Stock up for changeover season and equip more bays.
Frequently Asked Questions
How do tire shops finance inventory?
A line of credit is the common tool — draw to stock up before seasonal changeovers, then repay as the tires sell, so cost tracks your turnover.
Can I finance alignment and balancing equipment?
Yes — mounting, balancing, and alignment machines are financed as equipment, with the machines serving as collateral.