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Automotive Financing

Accelerate Growth with Automotive Financing.

High inventory costs, expensive diagnostic equipment, and evolving vehicle technology demand flexible capital solutions. Our in-house team understands automotive operations and delivers funding that keeps your lot full and bays productive.

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Financing Challenges

Why Automotive Businesses
Need Flexible Capital

Understanding the financial pressures unique to automotive helps us fund you directly with the right products.

Floor Plan and Inventory Costs

Dealerships carry millions in vehicle inventory. Floor plan interest, aging penalties, and the capital required to maintain diverse stock levels create constant financial pressure on working capital.

Diagnostic and Repair Equipment

Modern vehicles require computerized diagnostic tools, ADAS calibration equipment, and specialized tooling that costs tens of thousands per bay. Technology evolves with each model year, demanding continuous reinvestment.

Technician Shortage

ASE-certified technicians are in critical demand. Sign-on bonuses, competitive hourly rates, continuing education, and tool allowances are required to attract and retain skilled labor in a shrinking talent pool.

EV Transition Investment

Electric vehicle service requires new training, charging infrastructure, specialized tools, and high-voltage safety equipment. Dealerships face significant investment to prepare for the growing EV market share.

Parts Inventory Management

Stocking sufficient parts inventory to minimize customer wait times while avoiding obsolescence requires substantial capital. Popular parts move fast but rare components tie up funds for months.

Facility and Environmental Compliance

Paint booths, waste disposal, EPA compliance, and facility upgrades carry significant costs. Environmental regulations around automotive operations add compliance burdens that do not generate direct revenue.

Recommended Solutions

Funding Products for
Automotive Businesses

Each product is tailored to address the specific capital needs of automotive operations. Click to learn more about terms, eligibility, and the application process.

Working Capital Loans
Cover operating costs, parts inventory, and payroll between sales cycles.
Why it fits: Fast access to capital for day-to-day automotive business operations.
Business Lines of Credit
Flexible capital for inventory, equipment, and unexpected repairs.
Why it fits: Revolving credit that adapts to the variable cash flow of automotive businesses.
Real Estate Loans
Use facility equity, equipment, or vehicle inventory as collateral.
Why it fits: Leverage your property and equipment for major expansion or acquisition capital.
Real-World Impact

How We Help Automotive
Businesses Grow

Illustrative Example — Independent Auto Repair Chain

The Challenge

A five-location independent repair chain needed $450,000 to add ADAS calibration and EV service capabilities across all locations. Their existing equipment financing terms were unfavorable, and their bank required collateral they did not want to pledge.

The Solution

Sunsurf Capital arranged equipment financing with the new diagnostic and calibration equipment serving as its own collateral. Approval came in 8 business days with a 60-month term at competitive rates.

The Result

All five locations were upgraded within 90 days. ADAS calibration services generated $28,000/month in new revenue across the chain, and EV service capabilities attracted a new customer segment previously going to dealerships.

This example is representative of typical client outcomes and is presented for illustrative purposes.

FAQ

Common Questions About
Automotive Financing

Yes. We work with franchise and independent dealerships, independent repair shops, collision centers, tire shops, quick lube operations, and specialty automotive businesses. Our in-house team understands the different financial models across the automotive industry.
Yes. Level 2 and DC fast charging installations, electrical upgrades, and associated construction costs can be financed. Some lenders also help businesses access federal and state incentives for EV infrastructure investment.
While we do not provide traditional floor plan lines directly, we offer working capital and credit lines that can supplement existing floor plan arrangements. For dealerships needing additional vehicle acquisition capital, we offer specialized in-house programs.
Lifts, alignment machines, diagnostic scanners, ADAS calibration systems, paint booths, tire machines, balancers, AC service units, and virtually any equipment used in automotive service can be financed. The equipment typically serves as its own collateral.
Yes. Business acquisition financing is available through real estate loans and working capital. We can help you structure the purchase of another automotive business, including the real estate, equipment, inventory, and goodwill components.
Collision centers qualify for all our financing products. Paint booths, frame machines, measuring systems, and specialized body shop equipment can be financed. DRP (Direct Repair Program) agreements with insurers strengthen your application significantly.
Get Started

Ready to Fund Your
Automotive Business?

Apply in 5 minutes and get a funding decision within 48 hours. No upfront fees. No obligation. Just the capital your automotive business needs to thrive.

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