Collateral & Asset Loans
For lifts, alignment machines, paint booths, scan tools and tow trucks. The equipment secures the loan, so a shop with a modest deposit history can still add the tool that wins the work.
See Collateral & Asset LoansWhat's your case?
Which funding fits your shop right now?
What it means for your cashEvery empty bay is billable hours you cannot sell, and the lift has to be paid for before the first car goes on it.
Collateral & Asset Loans
The lift secures the loan and the term spreads its cost across the years of work the extra bay brings in.
- Range
- $10,000 – $1,000,000
- Term
- 12 – 60 months
What it means for your cashDiagnostic platforms and calibration rigs cost real money and they date quickly.
Collateral & Asset Loans
Match a shorter term to equipment that will be replaced rather than paying for it after it is obsolete.
- Range
- $10,000 – $1,000,000
- Term
- 12 – 60 months
What it means for your cashOne slow week of collections shows up in the operating account, and a single big job can put a month of parts on the same statement.
Business Line of Credit
Draw for the parts order or the big job, repay it when the tickets settle, and keep the facility for the next tight week.
- Range
- $10,000 – $500,000
- Term
- revolving
What it means for your cashThe work is done and invoiced, and the fleet's payment cycle is not yours.
Invoice Factoring Tool
Turns the fleet invoice into cash now, and approval leans on the account's credit rather than yours.
- Range
- $10,000 – $3,000,000
- Term
- ongoing facility
What it means for your cashA project priced once and paid for before the extra hours start.
Business Term Loan
One fixed monthly payment over a defined term, sized to the tickets the new bay produces.
- Range
- $10,000 – $5,000,000
- Term
- 6 – 60 months
What it means for your cashStacked payments hold back the month the shop finally has a full book.
Consolidation of Positions
Pays off the positions you have and rolls them into one payment sized to your deposits.
- Range
- $10,000 – $2,000,000
- Term
- 6 – 36 months
Products
Three ways to fund a shop
Business Line of Credit
For parts, payroll and the weeks when the tickets have not settled. Draw what the week needs and repay it as the work pays.
See Business Line of CreditInvoice Factoring Tool
For shops with commercial accounts — fleets, dealers, insurers — that pay on terms. The approved invoice becomes cash instead of a 30-day wait.
See Invoice Factoring ToolFrom the blog
FAQ
Auto shop funding questions
Lifts, diagnostic and calibration equipment, paint booths, parts inventory, payroll, a bay build-out and tow vehicles. Falcon does not restrict the use of proceeds to one category.
Bring a quote or invoice for the specific unit and your specialist will confirm whether it qualifies, including what is needed if the machine still carries a lien. Used equipment is normal in this trade, so the quote matters more than the age.
Yes. Body, collision, tire, detailing and mobile mechanics are all auto services businesses, and the same three products apply.
Many products fund within 24-48 hours of approval. Timing depends on how quickly the documents arrive and, for equipment, on having the vendor's quote.
Falcon charges a 0% agreement fee. Amounts, terms and costs are disclosed in your agreement before you sign. No specific rate is published here, because it depends on your file.
Six months of business bank statements, a photo ID, a voided check, a list of any current advances or loans, and a quote or invoice for equipment. Factoring also needs the invoices and the account's details.