Shop equipment, additional movable machinery and a whole business are three separate requests. Each is matched below to a product, with invented examples computed in full and Kerr County, TX repair shop counts.
At a glance
- Automotive repair and maintenance establishments with employees, Kerr County, TX
38 in 2023 (CBP, NAICS 8111)
- Annual payroll of those repair establishments, Kerr County, TX
$12.6 million in 2023 (CBP)
- Automotive repair and maintenance establishments with a ZIP 78028 address
37 (ZBP 2023)
Collision repair financing for Kerr County, TX: transmission jacks, brake lathes and shop purchases
Collision work runs on heavy equipment: a frame straightening bench, spot welders, and in the mechanical bays transmission jacks and brake lathes. Each has a serial number and a resale value, so equipment financing can cover it, with the item as security.
A shop purchase is a different request. Buying an existing repair business means paying for its equipment, its name and its customer list, and a term loan can carry that price. For a shop acquisition, a partner may review the seller's returns and recent profit and loss, serial-numbered equipment records, and the current lease or its assignment. If the sale includes the building, that part is commercial real estate financing, which Bellshire Business Funding does not arrange.
Kerr County, TX's 38 automotive repair and maintenance establishments with paid staff reported $12.6 million in annual payroll for 2023 (CBP, NAICS 8111). A buyer takes on the shop's own technicians and their payroll, which is why the first months of wages belong in the purchase budget.
Tire shop equipment financing for Kerr County, TX: alignment machines, compressors and a mobile-column lift
A tire shop's equipment list is short but expensive: a tire machine to mount and demount, a wheel balancer, an alignment machine and a compressor large enough to run the impact guns and the changer at once. A second mobile-column lift or other movable shop equipment can be added; fixed bay work is excluded.
| Item | Amount |
|---|---|
| Tire machine (changer) | $7,900 |
| Wheel balancer | $6,400 |
| Alignment machine | $28,500 |
| Air compressor and hose reels | $4,600 |
| Total | $47,400 |
All four lines are equipment and can go on one agreement. The alignment machine costs more than the other three combined, so a partner can look at it on its own: its age if used, the software it needs, and whether the lease permits supplier setup; fixed bay work is excluded.
Auto shop equipment financing for Kerr County, TX: mobile-column lifts, ADAS calibration and scan tools
A mobile-column lift holds a vehicle level for alignments and storage, and ADAS calibration needs exactly that: a flat floor, measured space in front of the vehicle and a target stand. Scan tools come with software subscriptions that renew every year; the tool is equipment, the subscription is a service and may sit outside the financing.
Illustration only, invented figures: an $11,800 mobile-column lift with supplier setup, and a $34,000 ADAS calibration system financed together come to $45,800. Spread over 60 months at an invented annual rate of 10.75%, they cost $990.10 each month; 60 of those payments total $59,406.00, of which $13,606.00 is interest. Calibrations that the shop now sends to a dealer or a sublet shop are the work that has to cover that payment.
Paying for a mobile-column lift with auto repair shop loans in Kerrville, TX
A mobile-column lift and other movable shop equipment can be itemized on a supplier quote; fixed bay expansion and building work are excluded.
| Cost | Amount | Product |
|---|---|---|
| Alignment rack with supplier setup | $38,000 | Term loan |
| Mobile-column lift with supplier setup | $9,600 | Equipment financing |
| Portable air compressor, a tool cart and a parts washer | $5,400 | Equipment financing |
| Total | $53,000 | Two agreements |
A shop adding a mobile-column lift may assign a technician. Illustration only, invented figures: a technician paid $2,300 every two weeks who spends the first 30 days in training draws 2 or 3 paychecks in that time, depending on where the first payday falls: $4,600 to $6,900 before the lift brings in a full schedule. A working capital loan can cover that stretch.
Auto repair shop loans for tool upgrades: how Kerr County, TX repair shops can compare the options
A new tool can earn its payment or sit on a cart. Points worth weighing before financing one:
- Which jobs the shop now sends out because it lacks the tool, and what it pays for each.
- How many vehicles a week would use it, counted from the shop's own repair orders.
- Whether the tool needs a yearly software subscription on top of the payment.
- Floor space, power and air supply, since a calibration rig or an alignment machine needs room the shop may not have.
- Training time before a technician can bill work on it.
- The warranty and who services the tool when it fails.
Fewer than five people worked at 18 of the county's 38 repair establishments with employees in 2023 (47.4%, CBP). In ZIP 78028, 37 automotive repair and maintenance establishments were counted that year (ZIP Code Business Patterns). Separately, 2024 Nonemployer Statistics recorded 87 automotive repair and maintenance businesses in Kerr County, TX with no paid employees. The Kerrville, TX page and the industries page add figures for other trades.
By Bellshire Business Funding ยท Updated