Financing That Fuels Bosch Franchises

Becoming a Bosch Auto Service franchisee means more than putting your name next to one of the most trusted brands in automotive excellence — it’s a smart investment in your future. To back your ambitions, Bosch has partnered with Live Oak Bank, a leader in auto care lending, to provide franchisees with customized financial tools and expert banking support.

But you're not locked in. Bosch supports freedom of choice. Whether you bank locally, regionally, or nationally, you can secure financing through any institution that meets your needs.


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Financing options with Live Oak Bank include:

  • SBA & conventional loans for acquisitions, new builds, equipment, real estate, and working capital
  • Loan amounts from $10,000 and up
  • Terms up to 25 years (real estate), 10 years (business loans)
  • Unsecured working capital loans funded in as little as 2–3 days
  • Dedicated experts who understand the Bosch Auto Service model

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Bosch Auto Service team working with a franchisee
Bosch Auto Service Financing

Full-Service Business Banking

Live Oak Bank supports more than just lending — it’s a complete banking solution for your business:

  • Business Checking – No minimums, mobile access, and custom controls
  • High-Yield Business Savings – Competitive rates and extended FDIC coverage
  • Integrated ACH & EFT – Seamlessly manage payments and transfers
  • Multi-entity support – One login, multiple business accounts

With a relationship-focused approach, Live Oak delivers personalized service and modern tools to help you thrive.

More Ways to Finance Your Franchise

Not sure where to start? Bosch recommends reviewing several franchise financing options from trusted industry sources. Explore these popular strategies:

  • SBA Loans – Backed by the U.S. Small Business Administration, these loans offer lower rates and longer repayment terms.
  • Bosch Supplier Financing – Ask us about special terms on approved tools and diagnostic equipment.
  • 401(k) Rollover (ROBS Plans) – Use your retirement savings to finance your business without early withdrawal penalties.
  • Alternative Lending Options: Lines of credit and partnerships with investors are other avenues to consider if traditional financing isn’t available.

Learn more about franchise financing from the International Franchise Association.
A Bosch Auto Service mechanic cleaning the repair shop at the end of the day
Bosch Auto Service Financing Options

You’re in the Driver’s Seat

Bosch Auto Service is built on excellence and flexibility. You’re free to choose the financing solution that best supports your goals. Our role is to empower you with tools, partners, and resources — not to dictate your path.

Whether you’re seeking capital, exploring lending options, or comparing business banking features, Bosch is here to help you make informed, confident decisions.

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What financing options are available for franchisees?
  • SBA Loans (Small Business Administration): Backed by the government, with favorable terms.
  • Bank Loans or Lines of Credit: Traditional financing for qualified borrowers.
  • 401(k) Rollover (ROBS): Use retirement funds without early withdrawal penalties.
  • Personal Savings or HELOC: Home equity line of credit is common among first-time owners.
Do I need good credit to get financing?
Yes, typically. A credit score of 650 or higher is often required for most loans, especially SBA or bank loans. Lower scores may still qualify through alternative lenders, though rates may be higher.
How long does it take to get financing?
It depends on the loan type:

  • SBA loans: 45–90 days
  • Franchisor financing: 2–6 weeks
  • Alternative lenders: as fast as 1–2 weeks
How much can I borrow, and what are the typical terms?
Loan amounts vary based on business needs and qualifications. Generally:

  • Loan Sizes: Up to $5 million
  • Terms: Up to 10 years for working capital and equipment; up to 25 years for real estate
  • Interest Rates: Competitive, often tied to the Prime rate plus a margin
Are there resources to help me understand the financing process better?
Absolutely. Live Oak Bank offers a comprehensive Resource Center with articles and guides on topics like:

  • SBA loan approval processes
  • Evaluating lease vs. purchase decisions
  • Understanding collateral requirements
  • These resources are designed to empower borrowers with knowledge and confidence.