Auto Repair Shop Financing in Aurora, CO
Auto repair shop financing in Aurora funds the bays, lifts, and diagnostic equipment that keep independent shops competitive against dealer service departments. We work with general repair, transmission specialists, collision, tire and quick-lube operators across the Denver metro.
Auto repair is a strong credit vertical — hard-asset collateral, essential service demand, resilient cash flow — and lenders regularly approve deals for shops with 2+ years of history. SBA 7(a) funds acquisitions and buildouts; equipment financing handles lifts, alignment machines and diagnostic tooling.
Marquette matches auto-repair files to SBA lenders and equipment financiers who actively book Colorado shop deals.
- Shop acquisition (existing bay location)
- Real estate purchase (SBA 504 + 7a)
- Lifts, alignment racks, diagnostic scanners
- Bodyshop tooling and paint booths
- Working capital for parts inventory
- Second-location expansion
- ASE or comparable technical background helpful
- Personal credit 640+ typical
- P&L and tax returns for existing shops
- Equipment quotes for asset financing
- Signed LOI or lease for acquisitions
From intake to funded in four steps.
“Environmental due diligence (Phase I) is required on most shop real estate deals — used-oil, paint, and solvents are red flags underwriters must clear. Build 30–45 days into your timeline for it if you're buying the building.”
Questions Aurora operators actually ask.
Can I buy the shop and the real estate at the same time?+
Yes — SBA 7(a) for the business + SBA 504 for the real estate is the standard combined structure.
Do I need to be a technician?+
No — an experienced manager on staff often satisfies lenders for a non-technical owner-operator.
How is used-oil / environmental risk handled?+
Phase I environmental site assessment for real estate deals. If Phase I flags concerns, Phase II follows. Clean reports = deal moves forward.
Can I finance equipment for a startup shop?+
Yes — new-shop equipment financing is available with 10–20% down for owners with technical background.
What about collision-repair shops?+
Yes — collision is underwritten similarly, though DRP relationships and paint-booth compliance factor in more heavily.
Talk to Aurora about auto repair shop financing.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.