Financing for Automotive Businesses

                       Auto repair businesses choose SSF                                                               for their financing

It’s hard enough to diagnose an engine problem based on a customer’s impression of a rattle. You shouldn’t have to worry about where the capital your business needs is going to come from too. But going through the approval process for a small business loans from a bank means you might get stuck in the slow lane. Maybe you’ve applied for a small business loan and been turned down, or you can’t afford to wait the weeks and weeks a bank loan would take to get you the capital you need. A merchant cash advance from SSF offers a better way

When you get an answer from us, you know it’s valid and that the funds will arrive in a short period of time.

What SSF can do for your garage

Any small business owner knows that it costs money to make money, and that goes double for auto repair. On top of all the normal costs of doing business, you also have to be prepared for unexpected needs. One problem with a traditional bank loan is its inflexibility. When applying for a loan you may have to outline exactly how you intend to spend it, and banks’ strict payment deadlines don’t allow you to hold on to capital for uses you can’t anticipate. Here are just a few things you can use one of SSF’s small business loan alternatives for: spare parts, diagnostic equipment, insurance payments, salaries, expanding your advertising, buying out a partner, taxes, repairs, renovations, and expansion, opening a new location, etc.

Fast and simple with minimum documentation required

Most of our customers receive a pre-qualification from us within hours of submitting the 1-page application, and actually receive the money in their business bank account within days. The process for obtaining a traditional small business loan from a bank could take several months. Learn how our cash advance underwriting process works!

We are not a bank, so we don’t require a lot of documentation.  For example, unlike for traditional bank loans, you do not have to provide tax returns, financial statements, or physical collateral in order to obtain a business cash advance. We have a simple one-page application and may only require 4 months of credit card processing statements and 2 months of bank statements.

Personal credit isn't a problem and no payment schedules

We take many factors into consideration through our proprietary underwriting process, and we have funded thousands of merchants who have low credit scores. Business loans often require a minimum FICO or credit score.


It is a business cash advance where we get paid back over time as your sales come in. If your business slows, our payback also slows down. There are no fixed payments scheduled and no amortization schedules to deal with. Learn how our business cash advances work.