AUTOMOTIVE FINANCE MADE SIMPLE
Smarter Finance Solutions
From independent garages and body shops to car dealerships and specialist vehicle services, automotive businesses often face cash flow pressure, high equipment costs, and rising customer expectations.
At Funding Pool, we understand the unique financial needs of the automotive industry.
Our automotive loans are designed to give your business the boost it needs – whether you’re expanding operations, investing in equipment, or bridging gaps in income.
Access between £10,000 and £500,000, with decisions in as little as 24 hours.
FINANCE THAT WORKS WHEN YOU NEED IT
Funding for any business need
Purchase or upgrade equipment
Invest in vehicle lifts, diagnostics tools, spray booths, wheel aligners, or the latest EV servicing technology.
Buy stock or spare parts
Get fast access to finance to purchase vehicle stock, essential parts, and accessories without depleting your reserves.
Bridge cash flow gaps
Manage cash flow during quiet periods or while waiting on invoice payments from fleet contracts and trade accounts.
Refit or expand your premises
Upgrade your garage or showroom, add new service bays, or fund the opening of a second location.
Hire skilled technicians
Recruit mechanics, engineers, and support staff to take on more work and grow your service capacity.
Funds in as little as 24 hours
Fast decisions and rapid funding — access between £10,000 and £500,000 with minimal paperwork and no long waits.
TYPES OF FINANCE
We find the option that works for you
Unsecured Business Loans
Quick access to funds — no assets required as security. Ideal for working capital or smaller investments.
Learn more →Secured Business Loans
Larger amounts at lower rates, secured against property, vehicles, or equipment you already own.
Learn more →Asset Finance
Purchase or lease garage equipment, diagnostic tools, or company vehicles without a large upfront cost.
Learn more →Invoice Finance
Unlock cash tied up in trade or fleet servicing invoices — get paid upfront without waiting 30, 60, or 90 days.
Learn more →Merchant Cash Advance
If you take card payments, get a lump sum advance repaid automatically as a percentage of daily card sales.
Learn more →VAT & Tax Loans
Spread your HMRC payments over 3–12 months — stay compliant without hitting your working capital.
Learn more →AUTOMOTIVE LOAN ELIGIBILITY
Eligibility criteria
To be eligible for an automotive business loan your business typically needs to:
- Be UK-based and actively trading
- Trading for 2+ years with a reasonable credit profile
- Be a limited company, sole trader, or LLP
- Have a strong credit history and positive cash flow
- Be able to demonstrate turnover and financial performance
- Have a defined business purpose for the funds
If you're a newer business or have had credit issues, we may still be able to help — speak to our team to explore your options. No impact on your credit score to apply.
Who we work with
Rates & terms
Interest rates vary depending on the lender, loan type, and your business credit profile. Subject to status and affordability assessment.
Why choose Funding Pool?
Tailored finance options
We match you with the right lenders based on your business model, cash flow, and plans — not just any willing lender.
Quick & simple process
Minimal paperwork and a streamlined process — most decisions come back within 24 hours of applying.
Competitive rates
We compare offers across 50+ lenders to find the most competitive rates and flexible terms for your automotive business.
Personal UK-based support
You'll speak to real people who understand business finance — available by phone, email, or WhatsApp.