Your Shop Earns It Every Day. Get Up To $500K Of It In Your Account By Tomorrow.
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✓$5K to $500K deposited into your account within 24 hours
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✓Built for auto repair shops and car part retailers
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✓600+ credit score is all you need to get started
Takes 3 minutes · No impact on credit score · Free to apply



Easiest funding process I have ever been through.
Got approved the same day. Could not believe it.
Team was transparent and responsive throughout.
Funds were in my account the next morning.
Need Working Capital Now?
Get Up To $500K In Your Account Within 24 Hours.
Parts orders, equipment repairs, payroll gaps. Auto shops run on tight margins and the timing is rarely perfect. Trulo Capital advances your future shop revenue and puts it in your hands today, recovered gradually through your ongoing sales. No spotless credit history required. No lengthy bank paperwork. No waiting while your bays sit idle.
Apply in Minutes. Funded Within 24 Hours.
Our application is built around what auto shops actually deal with, not a generic small business form. Submit the basics about your shop and recent performance, get a same-day decision from our team, and have capital in your account before your next business day starts.
Repayments That Work With Your Shop, Not Against It
Auto shop revenue is not the same week to week and your repayments should reflect that reality. Trulo Capital structures payback around your actual incoming revenue so that busy weeks move you forward faster and slower stretches do not put your cash flow under pressure.
Direct Lender. No Broker Markups. No Middlemen.
Trulo Capital funds you directly, which means no broker layer adding cost before the offer even reaches you. You work with our team from application through funding, your personal credit file stays untouched, and more of your capital stays where it belongs.
Takes 3 minutes · No impact on credit score · Free to apply
Why Auto Shop Owners Trust Trulo Capital
Capital That Moves as Fast as Your Shop Does
Auto shops cannot afford to sit on a waiting list while a funding decision works its way through a committee. Trulo Capital reviews your file the same day you submit so the opportunity in front of you does not slip away while you wait.
Funded by People Who Know the Auto Industry
We evaluate your shop based on how auto businesses actually operate, not how a general underwriting checklist says they should. Your revenue patterns, your seasonal cycles, your industry gets a fair read from day one.
Repayments Designed Around Your Cash Flow
Prefer consistency? We offer a fixed daily repayment structure. Need flexibility? We offer a variable option tied to your incoming revenue. Either way, your repayments stay aligned with what your shop is actually bringing in.
You See the Full Picture Before You Commit
Your total cost, your repayment terms, your timeline. All of it is laid out clearly before you sign. No rate changes after approval, no fees that appear later, no fine print working against you.
From a Single Repair to a Full Shop Expansion
Trulo Capital works across the full range of what auto shops need, from covering an urgent parts order to funding a second location. We size your advance to the actual scope of what you are trying to accomplish.
Apply in Minutes. Hear Back the Same Day.
Our application asks only for the essentials about your shop and its recent performance. No lengthy paperwork, no in-person meetings. Most applicants have a decision well before the end of the business day.
Takes 3 minutes · No impact on credit score · Free to apply
Do I Qualify For Funding?
At Trulo Capital, we keep the requirements simple. If your auto shop checks these four boxes, we can get you funded.
$15K+
Monthly revenue processed through your shop
1+ Year
Your shop has been operating for at least 12 months
600+
Minimum credit score required to get started
US Bank
An active US business checking account in your shop's name
Takes 3 minutes · No impact on credit score · Free to apply
How It Works
Submit Your Application
Fill out our short form built specifically for auto shop owners. We ask only for what we actually need about your shop and its recent performance. The whole thing takes about 3 minutes.
Get Your Decision the Same Day
Our team reviews your file and comes back with a clear funding decision within hours. You will see the full terms, your total repayment amount, and your repayment structure before you commit to anything.
Get Funded and Keep Your Shop Moving
Funds land directly in your business account within 24 hours of approval. Stock up on parts, cover a repair, hire another tech, or handle whatever your shop needs to keep the bays full.
Takes 3 minutes · No impact on credit score · Free to apply
Get Up To $500K For Your Auto Shop By Tomorrow
No perfect credit score required. No stacks of financial paperwork. Just a short application and a same-day decision from a team that understands your business.
Decision the Same Day, Funds the Next
While banks keep you waiting for weeks, we move at the pace your shop actually operates on.
Repayments Tied to Your Incoming Revenue
Quiet week in the bays? Your payments drop. Busy season hits? More gets cleared. No rigid due dates working against you.
We Fund Based on Shop Performance
Not your personal credit history alone. A lower credit score does not automatically mean no funding for your business.
$5K to $500K for Whatever Your Shop Needs
Parts restocking, equipment repair, hiring new techs, or a full bay expansion. We scale to what the job actually requires.
No Broker Fees, Ever
As a direct lender we cut out the middlemen entirely, so more of your funding goes toward running and growing your shop.
Built for Auto Shop Owners
We understand parts cycles, equipment costs, and how cash flow in an auto shop actually behaves throughout the year.
Takes 3 minutes · No impact on credit score · Free to apply
What Auto Shop Owners Are Saying About Trulo Capital
Our alignment machine broke down on a Thursday and we could not afford to lose the weekend. Trulo had the funds in our account by Friday morning. That kind of turnaround saved us.
I applied expecting the usual runaround. Instead I got a decision the same day and money in my account the next morning. I have dealt with a lot of lenders and none of them moved this fast.
January and February are always slow for us. Having payments that adjusted down during those months made a real difference. I did not have to stress about a fixed bill on top of a quiet season.
We used the funding to open a second bay and hire another tech. The whole cost of the advance was covered within the first two months of the expansion. Worth every penny.
The terms were completely clear before I signed anything. I knew exactly what I owed and when. No surprises halfway through, which is more than I can say for the last lender I worked with.
A parts supplier offered us a bulk deal that would have cut our costs significantly for the whole year. We needed capital fast to take advantage of it. Trulo came through in time and it paid off.
Our alignment machine broke down on a Thursday and we could not afford to lose the weekend. Trulo had the funds in our account by Friday morning. That kind of turnaround saved us.
I applied expecting the usual runaround. Instead I got a decision the same day and money in my account the next morning. I have dealt with a lot of lenders and none of them moved this fast.
January and February are always slow for us. Having payments that adjusted down during those months made a real difference. I did not have to stress about a fixed bill on top of a quiet season.
We used the funding to open a second bay and hire another tech. The whole cost of the advance was covered within the first two months of the expansion. Worth every penny.
The terms were completely clear before I signed anything. I knew exactly what I owed and when. No surprises halfway through, which is more than I can say for the last lender I worked with.
A parts supplier offered us a bulk deal that would have cut our costs significantly for the whole year. We needed capital fast to take advantage of it. Trulo came through in time and it paid off.
How Trulo Capital Compares To A Traditional Bank Loan
Decision within hours so your shop does not sit idle waiting for a bank to catch up
Weeks of review while your equipment stays broken and your bays stay empty
We evaluate your shop based on actual revenue performance, not just your FICO
Most shop owners get screened out before the process even starts
Slow week in the bays? Payments drop. Strong season? More gets cleared automatically
The same amount is due every month regardless of how your shop is actually performing
Your home and personal assets are never put on the line to secure your funding
Banks routinely require you to pledge personal assets before approving a business loan
You see the full cost of your advance before you sign. No compound interest, no moving parts
The true cost is difficult to calculate until you are already locked into the agreement
We cut out the middlemen entirely so more of your capital goes toward running your shop
Broker markups inflate the cost of your funding before you ever see the final offer
Takes 3 minutes · No impact on credit score · Free to apply
Who Is Trulo Capital For?
The Expansion-Ready Shop Owner
You have outgrown your current setup and you are ready to add bays, upgrade equipment, or open a second location. You need capital that moves at the pace of your plans, not the pace of a bank approval process.
The Emergency-Driven Shop Owner
A lift just went down, a key piece of diagnostic equipment failed, or an unexpected expense hit at the worst possible time. Your shop cannot afford to wait six weeks for a bank decision. Fast capital keeps your bays open and your customers taken care of.
The Cash Flow-Conscious Shop Owner
You know your slow months are coming and you want to stay ahead of payroll, parts orders, and supplier payments without draining your reserves. Reliable access to working capital means you run your shop with confidence instead of constantly watching the balance.
Takes 3 minutes · No impact on credit score · Free to apply
Frequently Asked Questions
How much funding can my auto shop qualify for?
+Trulo Capital provides funding from $5,000 to $500,000, based on your shop's monthly revenue and recent cash flow history. We size the advance around what your business can comfortably repay so the capital works for you rather than creating additional pressure.
What does funding from Trulo Capital actually cost?
+We use a simple factor rate rather than APR or compound interest. That means you see the exact total repayment amount before you sign anything. There are no broker markups, no hidden fees, and no charges that appear after approval.
Do I need to put up collateral or sign a personal guarantee?
+No. Trulo Capital does not require personal assets or a personal guarantee. Your home, vehicle, and savings stay completely protected. We fund based on your shop's revenue performance, not what you own personally.
What can I use the funding for?
+There are no restrictions on how you use the capital. Auto shop owners typically use Trulo funding to purchase parts inventory, repair or replace equipment, cover payroll during slower periods, upgrade diagnostic tools, expand bay capacity, or bridge the gap between completing jobs and collecting payment.
How quickly will I receive the funds?
+Most applicants receive a decision within hours of submitting their application. Once approved, funds are deposited directly into your business checking account within 24 hours. If you apply in the morning, you can have capital available by the following business day.
How does repayment work for an auto shop?
+Repayments are structured as either a fixed daily or weekly amount, or as a percentage of your incoming revenue depending on your funding agreement. Payments are automatically deducted from your business bank account. There are no rigid monthly billing cycles or surprise due dates.
Are there penalties for paying back early?
+No. You are free to repay early with no additional charges or penalties. Many of our auto shop clients choose to settle early during strong revenue periods, which is something we actively support.
Will applying affect my credit score?
+No. Our initial application uses only a soft credit check, which has no impact on your personal or business credit score. You can apply and receive a full funding decision without any risk to your credit profile.
How long does the application take to complete?
+The application takes roughly 3 minutes. We ask only for the essentials about your shop and recent bank statements. No lengthy paperwork, no in-person appointments, and no documents that take days to pull together.
Ready To Get Your Shop Funded? See If You Qualify Now
Takes 3 minutes · No impact on credit score · Free to apply

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