Auto Repair Center Loans 


Auto REpair Centers Keep our Cars In Shape, And We Help Them Grow With Acquisition Loans, Refinancing Options, and More 

Auto repair shops provide an essential function for the over 220 million drivers in the United States-- but they need financing in order to grow. So, whether you need a $500,000 loan to start a small auto body repair shop, or $5 million to refinance a massive auto repair center, Commercial Real Estate Loans, Inc. has you covered. 

Auto Dealership Loan Terms

While specific loan terms can vary based on the individual customer, in general, our auto repair center loan terms include: 

  • Loan Size: $500,000+ 
  • Loan Purpose: Loan can be used for property acquisition or refinancing, but cannot be used for business only-financing  
  • Loan Term: 3, 5, 10 and 15 fixed-rate terms 
  • Amortization: 15, 20, 25 and 30 year options 
  • Leverage:  80% LTV allowance (subordinate debt allowed)
  • DSCR: 1.40 minimum DSCR
  • Recourse: Loans are typically full recourse 
  • Credit Score Requirement: 660 minimum 

SBA Loans For AUtO Repair Centers

Many auto repair center owners find that the SBA 7a and SBA 504 loan programs are a fantastic way to fund their business. Unlike traditional financing, SBA loans can be used to fund equipment and to provide working capital for auto repair centers and body shops, making them significantly more flexible than many other loan products on the market. Despite that, it's important to realize that SBA loans require business owners to have excellent credit and little to no debt in order to qualify. 


For auto repair center loans from just $500,000 and up, click the button below and fill out a short, secure form for a fast, easy, and free commercial loan quote from a commercial mortgage banker. You may also email us any time at