Run a collision shop and your cash is rarely sitting still. It is parked in a paint booth, a frame machine, and a couple of lifts, tied up in parts on the shelf, and stuck in insurance payouts that land 30 to 60 days after the car is back on the road. Meanwhile your techs get paid every two weeks no matter what. The right funding is not a loan you stretch over everything; it is the specific product that matches each of those problems. The Broker Shop is a funding broker, not a funder, so one short application gets you matched to the funders whose guidelines you meet instead of you cold-calling banks one at a time.
Equipment financing for booths, lifts, and frame machines
A downdraft paint booth, a scissor lift, or a frame straightening machine is a big-ticket purchase that earns its keep for years. That is exactly the kind of buy equipment financing is built for. Instead of draining your operating cash on one purchase, you spread the cost over the useful life of the gear, and the equipment itself usually serves as the collateral, which can make approval easier than an unsecured loan.
This works for new and used shop equipment, and it can cover the install and setup, not just the sticker price. The key idea is matching the term to the asset: a booth you will run for a decade should not be paid off like a 90-day expense. Keep your monthly payment comfortably inside what the new capacity actually adds to your throughput.
Working capital to bridge the insurance-payout gap
The hardest part of body shop cash flow is the wait. You buy the parts, pay the labor, and finish the car, then sit on the receivable while the insurer processes the claim. Short-term working capital is designed to cover exactly that gap so payroll and parts orders never stall because a payout is slow.
Because this is a short need, you want a short product. Funding tied to your deposits or receivables is underwritten on the cash already moving through your shop, which means it can move fast and gets repaid as the payouts land. The trap to avoid is using a long product for a short gap and carrying the cost long after the claim cleared.
A line of credit for the constant small stuff
Not every cash need is a project. Some weeks it is a rush parts order, a tool that broke, or a deductible you front for a customer. A business line of credit is the flexible cushion for that. You draw what you need, pay interest only on what you use, and the room refills as you repay, so it is there the next time a job ramps up unexpectedly.
A line of credit pairs well with equipment financing: use the financing for the big fixed assets and keep the line open for the day-to-day swings. Set it up before you are in a crunch, because the best time to arrange credit is when the shop is healthy, not when you are already short.
How the broker match works for your shop
Different funders like different things. Some want strong daily card volume, some want clean bank deposits, some specialize in equipment, and some are comfortable with newer shops. Sorting that out one application at a time is slow. The Broker Shop runs one application against multiple funders and brings back the offers from the funders whose guidelines you meet, so you compare the strongest ones side by side instead of guessing.
It is free to the applicant, it takes about two minutes, and checking your options won't affect your credit score. When you are ready, start your application and see what fits your booth, your receivables, and your payroll cycle.
See what you qualify for
One 2-minute application is matched to the funders whose guidelines you meet. It's free, and checking your options won't affect your credit score.
See What I Qualify For →The bottom line: Match the product to the problem: finance the big equipment, bridge the insurance gap with short-term working capital, keep a line of credit open for the swings, and let one application find the funders whose guidelines you meet.