For more than 40 years, Market Capital Lending has helped shop owners buy real estate, add bays, and acquire established businesses — part of the $375 million+ we've arranged for our clients. An auto repair shop pairs owner-occupied real estate with specialized equipment and a loyal customer base, and SBA financing can fund all of it — the building, the lifts and equipment, and the goodwill of an existing shop. We're a veteran-owned, SBA-approved broker. Below, here's how mechanic shop financing works.
Financing the shop, the bays, and the business
A mechanic shop is an owner-occupied business where the value is in the location, the equipment, and the reputation. SBA 7(a) and 504 loans are ideal because they can finance the real estate (with the SBA's lower down payments and long terms), the equipment — lifts, alignment machines, diagnostic tools — and the going-concern value when you buy an existing shop. Need equipment only? See our equipment financing. (Rates, approval, and terms vary by credit, collateral, loan amount, and underwriting.)
What we finance
We arrange financing for shop acquisitions, real estate purchases, build-outs and expansions (more bays, larger footprint), equipment, and refinances — for general repair, collision, tire, quick-lube, and specialty shops. Buying an existing shop? Our business acquisition expertise and complimentary cash-flow analysis help confirm it prequalifies for SBA 7(a) financing.
Why choose Market Capital Lending
Owner-operators deserve a lender who gets the business. As a veteran-owned, SBA-approved broker with a network of 40–50 lenders, 40+ years of experience, and $375M+ funded, we match your shop to the right lender and structure it to close — even when a bank has said no. Start your application or call us.
Frequently asked questions
Can I use an SBA loan to buy an auto repair shop?
Yes. SBA 7(a) and 504 loans can finance the owner-occupied real estate, the equipment, and the goodwill of an existing shop together, with lower down payments than conventional financing.
Can you finance the equipment and the building?
Yes — an SBA loan can cover both the real estate and the shop equipment (lifts, diagnostics, and more). For equipment-only needs, we also offer standalone equipment financing.
What credit and down payment do I need?
Most SBA borrowers are around 680+ (exceptions apply), with a lower down payment than conventional loans. The exact figures depend on the deal and lender.
What if a bank turned down my shop purchase?
That's common. With a 40–50 lender network, we can often find one that finances auto repair and mechanic shops.