Auto Repair Shop Loans in San Jose
Capital sized to auto repair margins and inventory cycles.
- 24-hour funding on working capital files.
- 75+ lenders — banks, SBA, fintech.
- No upfront broker fees — paid by the lender at funding.
How San Jose auto repair operators get funded
Auto repair shops in San Jose fund three things repeatedly: equipment (lifts, diagnostic computers, alignment), working capital (parts inventory, payroll), and occasional acquisitions of competing shops as older operators retire. We finance all three across the metro.
San Jose's automotive aftermarket is unusually large for the metro size, with winter road salt, mountain driving, and an older fleet mix in working class neighborhoods all driving repeat repair demand.
Common capital uses
Lifts, alignment machines, A/C service equipment, diagnostic tools.
Parts inventory, payroll, marketing.
Buy a competing shop with SBA 7(a).
Buy your own shop building with SBA 504.
Qualification requirements
- Operating shop with 6+ months of revenue
- Owner FICO 580+
- Clean ASE/license history
Real San Jose examples
A Rose Park shop finances a $14K two post lift over 36 months.
A South San Jose shop pulls $50K of working capital for parts inventory ahead of winter.
A Murray shop owner acquires a competing West Valley shop with $780K SBA 7(a).
