We underwrite shops the way shops actually get paid.
Liftbay Capital is a direct funding source for independent auto repair shops, collision and body shops, tire shops, fleet shops and used-car dealers, based in Miami, Florida. We underwrite working capital, lines of credit and factoring in-house, off your bank statements, with 2-page contracts and no split of your card sales.
What we are
Liftbay Capital is a direct funding source for the independent automotive trade. We underwrite working capital advances, lines of credit and factoring facilities in-house, off your bank statements, and we fund them from our own capital. SBA 7(a), SBA Express and term loans above $500,000 are packaged by us and placed with our bank and SBA-preferred lending partners, because that is who funds those products.
Liftbay Capital is headquartered at 9719 S Dixie Hwy #8, Miami, FL 33156.
What we believe about this trade
Shops get underwritten badly. A collision shop fronts parts, paint and tech hours on every job and is paid by an insurer weeks later; a lender reading only a card-processing feed sees the deductibles and misses the carrier checks. A tire shop buys its winter wall in October and sells it through February, and a model that reads that as “inventory risk” instead of a season has never stood in a tire shop in October. A used-car lot is declined by industry code before anyone opens the statements.
So we read them differently: the whole bank statement, insurer and fleet deposits included; average daily balance over top line; deposit consistency over a single good month; your floor instead of your average; and a weekly debit when your money arrives weekly.
How we work
In-house first
Every file goes to our own underwriting desk before it goes anywhere else. You get a real answer from the people who make the decision.
Numbers before signatures
Amount, total payback, payment and schedule, on screen, before you commit to anything. The contract is two pages.
Call us before you stack
If the payment stops working, we would rather re-term a live file than watch a shop owner take a third and fourth position. That conversation costs you nothing.
No automated outreach
We don’t run drip campaigns. If you hear from us, it’s a person who has read your file.
The straight version of what this costs
Fast money is expensive money. A 12-month working capital advance is the most expensive product we offer, and it exists because a lift that fails inspection on a Friday doesn’t wait 45 days for an SBA approval. If you have 680 credit, two years of returns and a month of runway, SBA will cost you a fraction of what we charge for an advance, and we will tell you that on the phone. We would rather place you correctly once than fund you wrong twice.
Liftbay Capital is a new brand and does not claim otherwise. We do not publish testimonials we did not receive, funded-volume figures we cannot support, or awards we did not win. Every number on this site is a real criterion or a representative example, labeled as such. See compliance and disclosures.
More: the five products · compliance & responsible funding · the partner program · contact.
Talk to the desk that makes the decision.
In-house underwriting, a two-page contract, and a person on the phone who has read your file.