How TMC Financing Administered $75,000 in Working Capital to Fuel Small Business Growth
Chacon Auto Repair a women-owned, family-run shop in Walnut Creek, California, led by Adriana Ubieda Depablos and her husband, Felix Chacon Sosa. With demand rising and larger repairs becoming more common, the business needed working capital to keep parts stocked and cash flow steady. 
The solution was the Small Business Administration’s (SBA) Community Advantage loan program, an affordable financing option designed to help small business owners at any stage in their business. With TMC Financing’s guidance, Adriana secured $75,000 in working capital to help take Chacon Auto Repair to the next level
The Power of Working Capital
Chacon Auto Repair is a hands-on, family-run operation built to serve both commercial and everyday customers with preventative maintenance, fleet service, and major repair work, including engine and transmission jobs. As demand increased and larger repairs became more common, the owners needed working capital to keep pace without slowing down service.
For a repair shop, growth often brings a cash-flow squeeze. Higher-cost repairs can require parts up front and take longer to complete, which can strain day-to-day liquidity. To keep pace with demand, Chacon Auto Repair needed working capital to:
- Keep a higher inventory of commonly used parts on hand
- Manage cash-flow timing gaps tied to larger repairs
- Add staffing support by hiring a part-time mechanic to increase service capacity
TMC Financing helped Adriana turn the shop’s operational needs into a clear, financeable plan and guided the process from start to finish. With that support, Chacon Auto Repair secured $75,000 in working capital to help the business thrive.
“It’s a big step when your business is growing and you’re trying to keep up with demand,” Adriana said. “TMC Financing helped us turn our goals into a clear plan, and their guidance gave us the confidence to move forward.”
The Community Advantage loan program is a subset of the SBA 7(a) loan program. While both provide government-backed support that helps small businesses access capital, Community Advantage financing is tailored for underserved markets and smaller funding needs, while standard 7(a) loans often support larger financing projects delivered through traditional banks.
“This program was created to support entrepreneurs who may not yet meet traditional lending requirements but have strong potential and a clear path forward,” said Anna Lavanger, Vice President, Community Advantage Program at TMC Financing. “Adriana’s journey is exactly why Community Advantage exists. She put the guidance into action, strengthened the business, and stayed focused on growth. Our role is to help bridge that gap and support sustainable, long-term success.”
The Impact and What’s Ahead
With new working capital in place, Chacon Auto Repair will hire additional employees, increase service capacity, and support revenue growth and operational stability.
“This loan gives us breathing room and confidence,” Adriana concludes. “It allows us to focus on growing the business, not just keeping it afloat.”
Looking ahead, Chacon Auto Repair is positioned for continued expansion, including the potential to pursue SBA 504 financing for commercial real estate ownership.
Learn More
If your business needs working capital for expenses such as equipment, tenant improvements, or operating needs, Community Advantage may be the perfect solution. Connect with a Community Advantage loan expert to learn more.
If you are planning to purchase, refinance, or construct property for your business ask about TMC Financing’s SBA 504 loan program, designed to help business owners buy commercial real estate with below-market, long-term, fixed interest rates and as low as 10% down.
Contact TMC Financing today to learn more.
Chacon: Instagram: https://www.instagram.com/chaconautorepair/