Can my auto shop get funding to help with slow paying fleet payments?

Quick Answer: Yes, auto shops can get same-day funding to bridge cash flow gaps while waiting for fleet, commercial, or insurance payments.

Fleet contracts and commercial accounts are great for steady work, but net-30, net-60, or even net-90 payment terms can strangle your cash flow. You've already paid your techs, bought the parts, and covered overhead. Waiting months to get paid isn't always possible. A quick business loan bridges that gap without losing those valuable commercial relationships.

How auto shops handle commercial payment delays:

  • Cover immediate payroll: Your techs worked on those fleet vehicles last week. They need paychecks this week, not when the city finally processes payment.
  • Buy parts for upcoming jobs: You can't tell your fleet customer you're waiting for their competitor to pay before you can order parts.
  • Maintain operations: Rent, utilities, and insurance don't offer net-60 terms like your commercial clients expect.

QuicLoans understands the commercial auto repair cycle. We look at your total shop revenues. If your shop is depositing $10K+ monthly and has been in business for at least 3 months, you likely qualify.

The irony is real: the bigger the contract, the slower they pay. But losing a $50K annual fleet contract because you can't float their payment terms can cost your business its future. Get approved and funded with QuicLoans in as little as 3 hours and leave the operational stress behind.

Related Questions

Take the Stress Out of Loan Shopping

Getting a quick business loan for your service shop should be straightforward. We've brought common sense back to the process, and cut out the worst parts.

  • Banks Don't Move Fast Enough

    You need funds now. Not a drawn-out process that doesn't care if your diagnostic equipment just failed, or your lift's down and you need repairs now.

    Non-bank business loan options →
  • Bad Credit Doesn't Equal a Bad Business

    We approve auto businesses, not people. If you're turning wrenches and bringing in revenue, we’ll focus on your performance, not just your FICO score.

    Bad credit business loans explained →
  • Brokers Never Seem to Deliver

    Many charge upfront fees, bait and switch the terms, overpromise results, then vanish when things get hard. We don’t.

    What bad brokers do →
  • Have a Loan Already? Most Auto Shops Do

    We’re comfortable working around existing financing. If your business brings in steady revenue, we’ll show you what’s still possible.

    Business loans with existing debt →
82%

of businesses that acquire equipment use some form of financing.

- Equipment Leasing & Finance Foundation

America's Automotive Funding Powerhouse

16
Years

In Business

$100M+
Funded

To SMB's

10k+
Businesses

Funded across the U.S.

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