AUTO REPAIR SHOPS
Auto repair and automotive shop equipment financing
A repair shop earns per bay, so equipment that opens a bay or adds a service earns from the first month. We finance lifts, alignment systems, tire changers and balancers, diagnostic and ADAS equipment, frame machines and paint booths, new or used, from any dealer. Transactions start at $10,000: a major machine on its own, or a shop package that adds up to it.
What we finance
New or used, from any vendor, dealer or auction. Named manufacturers are examples of what this covers, not a limit — if what you need is not on this list, ask.
- Two post, four post, scissor and inground lifts — Rotary, BendPak, Challenger, Hunter
- Alignment systems — Hunter HawkEye Elite and Ultimate ADAS, John Bean, Snap-on, plus alignment racks
- Tire changers and wheel balancers — Hunter Road Force Elite, Coats, Corghi, TPMS tools
- ADAS calibration — Autel IA900, Hunter Ultimate ADAS, Bosch DAS 3000, targets and frames
- Diagnostic scan tools and programming — Autel MaxiSys, Snap-on Zeus, Launch, OEM subscriptions and J2534
- A/C service — R-1234yf and R-134a machines, recovery, nitrogen and leak detection
- EV and hybrid service — battery lifts and tables, insulated tooling, DC fast chargers, high voltage safety gear
- Brake lathes, presses, transmission jacks, fluid exchangers and oil dispensing systems
- Air compressors, exhaust extraction, welders, lighting and lube systems
- Shop management software, lifts for mobile trucks, used equipment and full shop build-outs
Why lease it
01
Add a service the shop has to turn away today
Alignments, ADAS recalibration and EV work are all jobs a shop either equips for or sends down the street. Financing adds the capability on a payment the new work covers from the first month.
02
Whole bay, not just the machine
A lift needs an install, an alignment rack needs a level bay, an ADAS system needs floor space and lighting. Equipment, freight and installation go on the same lease.
03
Written for independent shops
Single-location independents, mobile mechanics and shops opening a second bay are the typical applicant here, not just franchise groups and dealer networks.
Financing by auto shop equipment type
Financing starts at $10,000. Lifts, alignment systems, frame machines and paint booths usually clear that on their own. A single scan tool, tire changer or balancer that costs less does not qualify by itself, but it does as part of a shop package that totals $10,000 or more.
Auto lift financing
Two post, four post, scissor and inground lifts, with the freight and installation in the amount financed. A shop adding several bays at once can put every lift on one agreement, along with the air lines and lighting that go with them.
Alignment, tire changer and balancer packages
An alignment system with its rack is usually a $10,000+ purchase on its own. Tire changers, wheel balancers and TPMS tools often cost less, so they are financed alongside the alignment system or a lift as one tire and wheel package.
Diagnostic scanners and ADAS calibration
ADAS calibration systems with their targets and frames, plus the diagnostic scan tools, programming interfaces and software subscriptions that go with them. A scan tool on its own under $10,000 does not qualify, but bundled with a calibration system or other shop equipment it does.
Collision repair and frame machines
Frame machines, electronic measuring, spot welders and the rest of a collision repair bay. Auto body shops have their own page: collision repair and auto body equipment financing.
Paint booths and prep stations
Downdraft and crossdraft booths, prep decks, mixing rooms and curing, with the installation, ducting and permits included. More on paint booth financing.
Emissions testing and diesel service
Smog and emissions analyzers for inspection stations, and DPF cleaning for diesel and fleet shops. See emissions testing equipment financing and DPF cleaner machine financing.
Compressors, extraction and shop systems
Rotary screw compressors, air lines, exhaust extraction, lube and oil dispensing systems that run the whole shop. More on air compressor financing.
Towing and car wash
Shops that run their own recovery or detailing can finance those on a separate schedule: tow truck financing and car wash equipment financing.
What sets the payment on auto shop equipment
Four things decide the monthly number. To see a range before you talk to anyone, use the equipment lease calculator.
The whole installed cost
The equipment plus freight, lift installation, concrete or anchoring work, booth ducting and permits, software and training. Including the soft costs makes the amount larger but keeps that cash in the shop.
The term
Usually 24 to 60 months. A longer term lowers the payment. Many shops match the term to how long the equipment will stay in the bay, longer for lifts and frame machines, shorter for diagnostic tools.
The end-of-term option
A fair market value lease has a lower payment and lets you return or upgrade, which suits technology that dates. A $1 buyout lease or an equipment finance agreement costs more each month, and you own the equipment at the end.
The business behind it
Time in business, credit history and the size of the transaction. Startups are considered on personal credit and experience. Up to $150,000 is usually decided on a one-page application without financial statements.
FREE QUOTE
Get a custom quote in minutes
Tell us what equipment you need — from any list above, or something that is not on one. An ACG specialist follows up, typically within 24 hours, with options built around your business.
Business equipment financing. $10,000 minimum. We do not finance personal or household purchases.
- — NO OBLIGATION, NO HARD CREDIT PULL
- — NEW OR USED, ANY VENDOR
- — OR CALL (949) 822-3017
Three steps to your equipment
01
Request a quote
Use the form above or call (949) 822-3017. No obligation and no hard credit pull to get a number.
02
Secure approval and sign
Most decisions come back the same day. Documents are signed online.
03
Order your equipment
We deal with the vendor directly — payment, inspection and delivery — so you can keep running the business.
Auto repair equipment financing questions
Do you offer auto repair equipment financing?
Yes. American Capital Group finances lifts, alignment systems, tire machines, diagnostic and ADAS equipment, collision repair equipment and full shop packages for independent shops, fleet shops and dealers. Transactions start at $10,000, terms run 24 to 60 months, and up to $150,000 is usually decided on a one-page application without financial statements.
Can I finance a single scan tool or tire changer?
Not on its own if it costs under $10,000. A single scan tool, tire changer, balancer or A/C machine below that amount does not qualify by itself. It does qualify as part of a shop package, for example a lift, an alignment system and a tire changer and balancer together, when the total comes to $10,000 or more.
Do you finance auto lifts and alignment machines?
Yes. Two post, four post, scissor and inground lifts and alignment systems from Rotary, BendPak, Challenger, Hunter and John Bean are financed new or used, with freight and installation included in the amount financed. Several lifts for a new set of bays can go on one agreement.
Can I finance ADAS calibration equipment for my shop?
Yes. ADAS calibration systems such as the Autel IA900, Hunter Ultimate ADAS and Bosch DAS 3000, along with the targets, frames and the scan tool subscriptions that go with them, are financed as a package so the shop can start billing recalibrations.
Do you offer auto body and collision repair equipment financing?
Yes. Frame machines, measuring systems, spot welders, paint booths, prep stations and the ADAS calibration a collision repair now needs are financed new or used, and a booth can include its installation, ducting and permits in the amount financed.
Is it better to lease or buy automotive shop equipment?
It depends on how long the equipment will earn for you. Lifts, alignment racks and frame machines that stay in the bay for years usually suit a $1 buyout lease or an equipment finance agreement, which you own at the end. Diagnostic and ADAS equipment that dates quickly can suit a fair market value lease with a lower payment and the option to upgrade. Your accountant should confirm the tax treatment.
Can a new auto repair shop finance equipment?
Yes. Startups are considered. A shop opening its first location is reviewed on the owner's personal credit and experience in the trade, and the lifts, alignment system, tire machines and tools for the opening can go on one agreement when the total is $10,000 or more.
Can I finance used auto shop equipment?
Yes. Used lifts, tire changers, balancers, alignment racks, frame machines and diagnostic tools are financed from any dealer, auction or private seller, including shops that are closing, and we pay the seller directly.
Know what you need?
An application takes a few minutes and most decisions come back the same day. If you would rather see a payment first, the calculator gives you a range without asking for anything.