Business finance
Business Loans For Panel Beaters & Smash Repairs
Working capital, equipment, and growth finance for panel beaters & smash repairs — matched to your revenue and time trading, not a generic credit score.
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Australian trades
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How it works
Matched to the right lender in minutes
Tell us what you need
A few details about your business and what the finance is for. Takes under a minute.
We match you
We line you up with the right vetted lender for panel beaters & smash repairs and your situation — no guesswork.
Get funded
Your lender takes it from there — approval and funds, sorted.
What you get
Built around your business
- Finance for hoists, diagnostic tools, and workshop equipment as you grow.
- Working capital for parts, stock, and the wait on customer payments.
- One application across lenders that fund motor and vehicle trades.
How it works
Simple next steps
- 1Tell us the equipment or cash flow you need and your trading history.
- 2We match it to lenders that fund workshops and vehicle trades.
- 3You compare the options and proceed only if one fits.
Important note
Good to know
No lock-in and no obligation. We only connect you with a partner if it genuinely helps — you decide whether to proceed.
Business finance
Financing for Panel Beaters & Smash Repairs
A smash repair workshop is capital-heavy — spray booths, chassis aligners, welders, paint mixing systems, hoists and diagnostic gear all have to be modern enough to handle today's vehicles and finishes. When a booth needs replacing or you are upgrading to repair newer materials, funding it out of cash flow is hard while insurer payments lag and parts sit on your account.
Many repairers look at finance in the ~$60,000 ballpark to upgrade a booth, replace workshop equipment, or carry parts and wages while insurer payments work through. Cockatoo helps match you to a lender who understands automotive workshops and the assessed, slow-settling cash flow of insurance-driven repair work.
Common questions
Panel Beaters & Smash Repairs — business loan questions
Can I finance a spray booth or chassis aligner?
Yes. Booths, aligners, welders and paint systems suit equipment finance, with the asset often supporting the loan. Cockatoo helps match you to a lender comfortable with smash repair equipment so you can upgrade for newer vehicles without draining your cash.
How do I fund parts and wages while insurers pay slowly?
A working-capital facility can bridge the gap between finishing a repair and being settled by the insurer, covering parts and wages in the meantime. Many workshops look at around the ~$60,000 mark, and keeping it separate from equipment finance keeps both lines manageable.
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Get matched to the right lender
Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.