Auto Repair Shop Financing in Lexington-Fayette.
Equipment, bay expansion, and working capital for repair shops. Coordinated by an advisor working out of our downtown office at 2525 Harrodsburg Rd, Lexington, KY.
- Amount
- $50,000 to $2,000,000.
- Term
- Varies by structure.
- Best for
- Independent auto repair shops and collision centers.
- Coverage
- Fayette + Bluegrass
Locally rooted
Based on Harrodsburg Road in Lexington.
Advisor-led
Real people who guide you through every option.
Wide lender network
Access to bank, SBA, and alternative funders.
Transparent process
Clear terms — no payday-style shortcuts.
The program
What auto repair shop financing actually is
Auto repair financing includes SBA for real estate and acquisitions, equipment loans for lifts and diagnostic tools, and working capital for parts inventory. Shops with steady bay throughput and clean books present well.
Who it fits in Lexington-Fayette
- Independent shops adding bays or techs
- ASE-certified operators buying an existing shop
- Collision centers investing in frame machines and paint booths
Common uses
- Lifts, alignment machines, and diagnostic scanners
- Bay expansion or real estate purchase
- Parts inventory and working capital
What lenders review
Requirements vary by lender and program. Expect underwriters to focus on some combination of the following:
Advisor-led, not order-taker.
We know the equipment vendors and the finance desks that back them, and we can often bundle equipment, buildout, and working capital into a single SBA loan.
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