Map the repair. Get the machine moving.
Repair financing is a short-term structure for an eligible commercial shop bill — engine rebuilds, hydraulics, reefer units, emissions systems, and production-line repairs. Start with the estimate so Nex can review the equipment, amount, and business together.
File / repair
Shop estimate, parts, labour, and equipment
Review / sequence
Intake, terms, signing, then payment coordination
Control / consent
Your credit is only checked when you send your application to the lender you choose.
What's covered
What can a repair loan cover?
Anything that gets you operational again — parts, labour, and the tow if it comes to that.
01
Engine & drivetrain
Engine rebuilds, transmission swaps, diesel injection, turbo replacements.
02
Hydraulics
Pumps, cylinders, hose assemblies on construction or agricultural equipment.
03
Refrigeration
Reefer trailers, walk-in coolers, restaurant compressors, ice machines.
04
DPF / emissions
Diesel particulate filters, EGR systems, DEF systems on trucks and equipment.
05
Major accident repair
Cab replacements, body work, frame straightening — when insurance falls short.
06
Manufacturing line repair
CNC controllers, robotic cells, packaging-line servos, oven elements.
From shop estimate to a clear financing sequence.
01
Repair file
Submit the estimate
Share the shop's estimate or final invoice with a parts and labour breakdown.
02
Repair file
Review the file
Nex reviews the business, equipment, repair amount, and available supporting information.
03
Repair file
Confirm the structure
Review the amount, cost, payment schedule, conditions, and payee before signing.
04
Repair file
Coordinate payment
Payment may go to the repair shop or reimburse an eligible completed repair, depending on the facility.
Review and payment timing varies by facility and begins only when Nex has enough information to understand the repair, equipment, business, and intended payee.
FAQ
Repair loans, answered.
How fast can a repair loan be approved?
Timing depends on the repair amount, equipment, business profile, shop estimate, and completeness of the file. Submit the repair estimate as early as possible; Nex confirms the expected review and payment sequence after intake.
Do you pay the repair shop directly?
Payment may go to the repair shop against its invoice or reimburse an eligible completed repair. The payee, evidence required, and payment sequence depend on the facility and are confirmed before signing.
What repairs can be financed?
Engine rebuilds and drivetrain work, hydraulics, refrigeration and reefer units, DPF and emissions systems, major accident repair when insurance falls short, and manufacturing-line repairs like CNC controllers and packaging-line servos.
Does my credit have to be perfect?
No. Repair files lean on the equipment’s earning power and your revenue — the unit exists to generate income, and lenders underwrite to that. Your credit is only checked when you send your application to the lender you choose.
Equipment down right now?
Start with the shop's estimate and equipment details, or call (855) 900-0639 to discuss an urgent repair file.
Start a repair-finance brief