Keep Your Bays Full and Your Margins High

From financing high-end diagnostic equipment to deploying automated customer acquisition systems, Providential Growth Solutions provides the capital and the operational engine to scale your auto repair shop.

Fund Your Shop's Expansion

Stop turning away high-ticket jobs because of outdated equipment or inventory delays. We secure aggressive commercial funding for heavy-duty lifts, advanced scanners, and permanent working capital so your technicians have what they need.

Never Miss an Appointment

You should be under the hood, not stuck on the phone. We deploy targeted local marketing to drive traffic, and provide dedicated Virtual Assistants to handle your inbound calls, scheduling, and follow-ups.

Maximize Repair Margins

Auto repairs are high-ticket transactions. Stop losing your hard-earned profit to excessive swipe fees. We upgrade your shop to PayMullet’s secure processing infrastructure to guarantee transparent, bottom-floor rates and lightning-fast payouts.

Close More High-Ticket Repairs with Customer Financing

Don't let a customer's temporary cash crunch cost you a major job. We set up your shop to offer instant-approval, flexible financing right in your service drive, so you get paid in full upfront while they pay over time.

Click Here for Rates and Details

Program Highlights

Loan amounts from $1,000 – $35,000

ACH funding to dealer within 24–48 hours

Terms from 12 to 72 months

Prime, subprime, and lease-to-own options

All Brands Accepted

Quick setup and easy-to-use portal

Example APR Matrix

FICO Score

Estimated APR Range

800+

6.99% – 9.99%

740–799

6.99% – 9.99%

700–739

6.99% – 12.99%

660–699

10.99% – 24.99%

620–659

14.99% – 29.99%

580–619

24.99%+ (subprime)

Below 580

Lease-to-own option (no credit check)

Auto Repair Loan Limits & Terms

Finance anything from $500 brake jobs to $10,000+ engine replacements. We offer flexible terms ranging from 12 to 36 months, allowing your customers to choose a monthly payment that fits their budget.

Customer Qualifications & Approval

High approval rates with instant decisioning. Customers can apply directly from their smartphones in your waiting room. Standard qualifications apply (e.g., minimum credit score requirements, verifiable income).

Merchant Payouts & Fees

Zero risk to your shop. Once approved, the job is funded directly to your business account within 24-48 hours. You are never on the hook if the customer defaults.

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