Auto repair shop equipment financing — from one two-post lift to a full bay build-out.

An independent shop adding a fourth bay with a Rotary two-post lift and a Hunter alignment rack. A tire store replacing its changer and balancer. A collision shop financing a downdraft paint booth and a frame machine. A quick-lube adding a second pit lift. Shop equipment is non-titled and holds its value, which means fast approvals and small-ticket deals that most lenders won't bother with.

Pre-Qualify in 60 Seconds Call: (801) 332-9756

Who we fund

Independent general repair shops — adding bays, replacing lifts, adding alignment.
Tire and wheel stores — changers, balancers, alignment, TPMS.
Collision and body shops — booths, frame machines, measuring and welding systems.
Quick-lube and inspection stations — pit lifts, fluid exchangers, emissions equipment.
Truck, fleet, and diesel shops — heavy-duty and mobile column lifts, brake lathes, dynos.
Dealership service departments — equipment packages funded direct to the distributor.

What we finance

Lifts — Rotary, BendPak, Challenger, Mohawk, Hunter; two-post, four-post, scissor, in-ground, heavy-duty truck lifts.
Alignment and ADAS — Hunter, Hofmann, John Bean alignment racks and ADAS calibration systems.
Tire equipment — Hunter, Coats, Corghi changers and balancers, tire storage and TPMS tools.
Diagnostics and shop tools — Snap-on, Autel, Launch scan systems, A/C machines, fluid exchangers, compressors.
Collision — Global Finishing, Garmat, Accudraft paint booths; Chief, Car-O-Liner frame machines; welders and measuring systems.
Truck and fleet shops — heavy-duty lifts, mobile column lifts, brake lathes, dyno equipment.

Mobile mechanic and service trucks are on the mobile auto repair truck page.

Small-ticket is fine

A single lift or an alignment rack is a $10,000 to $40,000 purchase, and most banks won't touch a loan that size. We will. On strong credit, small shop-equipment deals get a soft credit pull, a decision in hours, and funding the same week. Larger packages, a booth and a row of lifts for a new location, run as one approval.

Technician running diagnostics in a repair bay

How much down

The ranges below are reference points so you know roughly where a file lands — they are not a rate sheet. We review every situation individually, and once we've seen your file we'll tell you exactly what the down payment is.

Established business, 700+ credit, prior commercial financing paid as agreed: low or zero down is on the table.
Established business, strong credit, first commercial financing: around 10% down.
Established shop, credit between 635 and 700: plan on 15% to 25%.
New shop: 700+ personal credit required, with a real down payment.
Below 635 credit: Below 635 personal credit is not a file we can place on this type of equipment; the collateral doesn't carry a weak-credit program the way a truck or a piece of yellow iron does.

Every file is reviewed on its own merits. Time in business, bank statements, the specific equipment, and comparable credit all move the number — the tiers above are where files usually start, not where they have to end.

What we don't finance

Auction purchases
Private-seller purchases
Glider trucks
Repairs to existing equipment
Refinances of current loans (cash-out refi on free-and-clear equipment only — call for details)

Frequently asked

What's the minimum deal size? About $5,000. A single lift or tire machine is a normal deal for us.

Is it a hard credit pull? On strong-credit files under about $75,000, no — a soft pull, a decision in hours, and funding the same week.

Do you finance used shop equipment? Yes, from a dealer or distributor. We do not finance private-party purchases.

Does installation go on the loan? Yes. Lift installation, booth assembly, and electrical as part of the equipment invoice.

Leased building? Free-standing equipment doesn't involve the landlord. Booths and in-ground lifts in leased space may need the lease and a landlord waiver on larger deals; we handle that paperwork with you.

Ready to talk about the equipment you're adding?

Call (801) 332-9756 · Pre-qualify in 60 seconds

Tell us about the equipment.

Send the distributor quote if you have one. Three minutes on the phone and you'll know what your deal looks like.

(801) 332-9756

What our equipment customers say

Real reviews from operators we've funded. Verified five-star reviews from our public profile.

★★★★★
“I have been in commercial truck sales since 1998 and have dealt with multiple finance companies over the years. I have been working with Spencer at Trust Alliance Capital for about 6 years now. Trust Alliance is my only alternative finance company in the industry. Spencer is absolutely the most personable and responsive person I have ever dealt with. Thanks for all you do.”
— David B., Greensboro NC · Truck Sales, 25+ years in the industry · worked with Spencer

★★★★★
“As a new startup, Logan helped me find the easiest financing with little hassle. The whole experience was awesome — especially the ability to walk into a dealership and negotiate a price knowing you have already been approved. Will go this route from now on.”
— Jason M., OK · New Startup · worked with Logan

Auto repair equipment financing by state

Same programs, same small-ticket speed — applied to your state's shops and distributors. Click your state for local context.