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.

    Learn more →
  • 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.

    Learn more →
  • 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.

    Learn more →
  • 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.

    Learn more →
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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