Motor Services/ Garages

Specialist funding for garages, MOT centres and mechanics in the UK

What Is Motor Services & Garage Finance?

Motor services finance is designed for garages, mechanics, MOT centres, and vehicle servicing businesses looking to access funding for growth, equipment upgrades, working capital, or expansion. Whether you're running an independent garage, body shop, or multi-site auto service business, The Funding Group connects you with lenders that understand the cash flow and operational needs of the automotive repair and servicing sector.

From garage fit-outs and diagnostic tools to customer finance and staff wages, we offer tailored financial solutions to keep your business running smoothly and profitably.

Types of Finance for Garages & Automotive Services

We provide a range of funding options tailored to the motor trade:

Equipment & Tool Finance

Spread the cost of vehicle lifts, diagnostic equipment, tyre changers, air con machines, and more.

Working Capital Loans

Cover operational costs, unexpected expenses, and cash flow gaps.

Garage Expansion Loans

Open a second location, invest in branding, or increase capacity with bespoke growth funding.

Vehicle Finance & Stock Funding

Finance courtesy vehicles, recovery trucks, or increase your vehicle stock for resale.

Invoice Finance

Unlock cash tied up in invoices from trade accounts or insurance jobs.

Business Acquisition Finance

Acquire another local garage or auto repair business to grow your footprint.

Typical Terms & Key Features

  • Loan amounts: £10,000 to £2 million+

  • Terms: 6 months to 7 years

  • Rates: Competitive rates based on credit and purpose

  • Security: Secured or unsecured options available

  • Fast approvals: Funding in days with minimal paperwork

  • Eligible applicants: Limited companies, sole traders, and partnerships in the automotive sector

Who Can Use Motor Services Finance?

We work with a variety of businesses in the motor services and repair industry, including:

  • Independent garages and MOT centres

  • Mobile mechanics and breakdown services

  • Tyre and exhaust specialists

  • Body shops and vehicle repair centres

  • Car service franchises

  • Auto-electrical service providers

  • Vehicle customisation or tuning businesses

Benefits of Garage & Motor Services Finance

  • Upgrade essential garage equipment without upfront cost

  • Boost cash flow during quiet periods or off-peak seasons

  • Expand or refurbish your workshop to attract more customers

  • Add recovery vehicles or courtesy cars with easy financing

  • Purchase more parts or vehicles to meet rising customer demand

  • Access funding even with limited assets or short trading history

Why Choose The Funding Group?

At The Funding Group, we understand the demands of running a garage or auto service business. Whether you're a small independent workshop or a growing chain of MOT centres, we offer simple, fast, and flexible funding solutions tailored to the motor trade.