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Car Servicing and MOT Business Finance

Keep growing your car servicing and MOT business with affordable, flexible finance. 

Capify offers a unique business loan for garages which is paid back in small and regular amounts rather than large monthly chunks. This means that business owners are able to keep their cash flowing smoothly.

As a business owner in the car servicing and MOT industry, it’s important to have the latest equipment and machinery to carry out standard and specialist work. These instruments don’t come cheap but Capify can provide you with the money to pay for updated models and replacements of faulty equipment. We can also provide you with finance so that you can hire new, talented staff members, pay for marketing and advertising, or anything else your business needs to grow.

Benefits of a car garage business loan from Capify

There are many benefits of coming to Capify for a car servicing and MOT business loan.


You can grow your business and achieve your plans


The repayments are small and manageable


The whole process, from application to funding, is quick and hassle-free


You don’t need to sell a portion of your business in return for investment


We’re always at the end of the phone if you have a question

You could use Capify's car garage loan in the following ways

Capify’s business loan for MOT and servicing businesses is most commonly used for:

It’s important to emphasise that the loan can be used for any business purpose, whether that’s one of the reasons above or something completely different.

Check if you're eligible for a car garage business loan

Capify’s car garage business loan is a fantastic option for anyone that wants to grow their business. To be eligible you must:

Tick all of the boxes? Why not apply today and find out how much you can raise.

What does Capify offer to car servicing and MOT businesses?

Owning a business in which you service and MOT cars everyday can be physically demanding, but also exciting. Over the years, people in this industry will work on new models, each with their own unique features. It also provides the opportunity to work with the latest equipment and machinery. 

It’s a trade that is guaranteed work all year round, winter through to summer. However, there’s still competition. That’s where business owners have to step up and make sure their garage is the number one choice. Capify can provide you with finance so that you can acquire more customers in the long-term. 


Car Servicing and MOT Businesses facts

UK MOT Tests

In 2014-2015, there were 29,341,11 MOT tests carried out in the UK.

Registered Cars in the UK

In 2019, there were 2.31 million passenger cars registered in the UK.

UK MOT Testing Stations

From 2018 to 2019, there were 23,323 private MOT test stations in the UK.

Applying for business finance with Capify is easy

Step 1

Fill out our simple online application. It takes two minutes from start to finish and you’ll find out if you’re conditionally approved.

Step 2

Submit the required documentation to our account management team, they’ll have a look over it and confirm how much you qualify for, what the repayments will be and the period of the loan.


Step 3

Sign and return the agreement and then the funds will be released. Now you have the money to achieve your plans!


There’s so many reasons a garage might come to Capify for a business loan. First and foremost, purchasing expensive equipment and machinery is often required to carry out particular jobs; such as MOT’s. This equipment can cost thousands of pounds, but in the long-term is well worth the investment. Many garages will struggle to pay such a large up-front cost outright, and that’s where Capify can help. 

Other reasons include: 

  • Hiring talented and well-trained staff
  • Marketing and advertising in the local area

Our customers sit at the heart of everything we do and therefore it’s important that we make our products simple and accessible. We’re proud to have a team of dedicated professionals who can help guide car servicing and MOT business owners through the process and find the best solution for them. For this reason, we’ve built a strong community of customers who come back to us time and time again.

We place a lot of emphasis on human communication over tech. Whilst we think that tech is important and delivers a fast process from application to receiving your funds, you’ll also have a dedicated point of contact who will always be available at the end of the phone if you’ve got a question. 

We also have a team of real people who look over every single deal. Not every business is the same, so we believe that underwriting should be conducted on a case by case basis rather than using a ‘one rule fits all’ approach.

Top Tips for Car Servicing and MOT Businesses

Never stop learning

As with any business, there’s always an opportunity to learn. Even if you have been in the industry for years and feel like you know all of the best practices, it’s still important to keep up with new updates, techniques and technology. Learning about the latest trends and developments will help your business to stay relevant. 

As an owner, your learning should also go further than the average garage worker. It’s always good to know how to market your business, keep track of accounts and ensure the company is in a prime position to thrive and grow. 

Embrace the power of social media

As the owner of a small business, social media can provide you with huge opportunities. You can collect reviews, promote new deals and offers and most importantly, reach prospective customers. You should make sure that each day, or at least 3 times a week you’re actively posting.

 There’s lots of things you can do, whether that’s writing about a new employee you’ve just hired, sharing some local news, or sharing a picture of a car you’ve worked on. 

It’s a fantastic (and cheap) way to engage with customers and become a key business in the local community.

We’re trusted by thousands of small and medium sized businesses.

We take pride in working with thousands of UK businesses, and we really appreciate what they say about our
products and services.

Apply online in minutes

Are you ready to make your dreams a reality?

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