Quarrymoor Financial, a small-business funding service in Kingman, Arizona, arranges funding for auto repair shops through partners: car lift and shop equipment financing, parts inventory financing, working capital and loans to buy a mechanic shop. Mohave County, AZ had 135 auto repair and maintenance employers in 2023 (CBP). Partners make credit decisions and set rates and terms.
| Repair and maintenance shops with employees, Mohave County, AZ | 773 on payroll at 135 employer sites (CBP count, 2023) |
|---|---|
| Repair shops with fewer than five employees | 55.6% (CBP 2023) |
| Repair businesses with no paid employees | 387 with no payroll at all (NES count, 2024) |
| Automobile dealers with employees in the county | 30 (CBP 2023) |
Where a repair shop's money goes, bay by bay
A repair shop's revenue arrives job by job, mostly by card the day the car is picked up. Fleet accounts and extended-warranty companies are different: they pay on invoice, sometimes 30 days or more later. Costs split into two very different groups: equipment that lasts years (lifts, compressors, diagnostic scanners, tire changers, alignment rigs) and parts that turn over every week.
A shop that buys a lift with the parts budget, or stocks parts on a credit card meant for emergencies, ends up with the wrong debt on the wrong asset. Matching the funding to the cost is most of the job.
Auto repair equipment financing options for lifts and diagnostics
Equipment financing pays for the equipment and uses it as security. A two-post car lift, a four-post alignment lift, a scan tool subscription with hardware, an AC recovery machine or a brake lathe can each be financed, new or used. The quote should include installation, concrete work if the floor needs it, and electrical hookups, because those soft costs can be a real share of a lift's price.
2 post car lift financing
A two-post lift is often the first big purchase for a growing shop. Partners look at the shop's deposits and how many bays the lift adds or upgrades. The car lift financing guide for Kingman, AZ auto shops covers quotes, installation, used lifts and leases in more detail.
Stocking the parts room
Parts are a working cost that repeats. A shop may buy daily from suppliers on account, but a shop stocking common filters, brake parts and batteries to cut wait times can use inventory financing or a credit line sized to a stock order. The inventory financing page explains how partners value parts and how repayment follows sales.
Working capital for an auto repair shop waiting on fleet invoices
Working capital covers wages and rent when fleet or warranty receivables lag, or when a slow stretch follows a strong one. If the shortfall is a one-off, a short working capital loan fits; if it recurs, a revolving credit line for a business may cost less over a year.
Small business loans for an auto repair shop purchase
Owners often ask how much it costs to buy a mechanic shop. The public data holds no local price figure, and the price depends on the equipment, the lease, the customer base and whether the real estate is included. A mechanic shop business loan for a purchase is usually a term loan. Partners commonly want the seller's tax returns and sales records, an equipment list with ages, the lease or property details and the buyer's own experience in the trade.
What a partner asks a repair shop for
- Bank statements and card-processing reports
- Fleet and warranty receivables, with how long they take to pay
- An equipment list with ages and any existing liens
- How long the shop has traded, and the owner's credit
- For a purchase: the sale agreement and the seller's records
An illustration with invented numbers
A three-bay Kingman, AZ shop wants a second two-post lift. The quote is $7,900 for the lift, $1,100 for installation and $650 for electrical work, $9,650 in total. If the added bay brings in 12 more jobs a month at an average $310 in labor, that is $3,720 a month of new labor revenue before parts and wages. The payment on the lift is a small slice of that, and the shop can test the math before calling. Every figure in it is invented.
Repair-shop counts for Mohave County, AZ from the Census Bureau
| Measure | Value | Source |
|---|---|---|
| Employer establishments | 135 | County Business Patterns 2023, NAICS 8111 |
| Paid employees | 773 | CBP 2023, pay period including March 12 |
| Annual payroll | $31.3 million | CBP 2023 |
| Locations below five employees | 55.6% (75) | CBP 2023 |
| Establishments with a ZIP 86401 address | 19 | ZIP Business Patterns 2023 (USPS ZIP area, not city limits) |
| No-payroll businesses (counted separately) | 387, receipts $23.1 million | Nonemployer Statistics 2024, NAICS 8111 (separate program; not added to CBP) |
The county's repair trade is mostly small: 55.6% of employer shops had fewer than five employees in 2023, and 387 repair businesses ran without any paid employees in 2024 (Nonemployer Statistics, a separate count). Nineteen employer shops had a ZIP 86401 address. More local numbers are on the page of Kingman, AZ business figures, and the industry pages include notes for dealers and machinery repair.
By Quarrymoor Financial · Updated
