EXHIBIT 3.13

                                STATE OF DELAWARE
                          CERTIFICATE OF INCORPORATION
                               A STOCK CORPORATION

FIRST:            The name of this corporation is Tower Automotive Finance, Inc.

SECOND:           Its registered office in the State of Delaware is to be
                  located at 2711 Centerville Road, Suite 400, City of
                  Wilmington, County of New Castle, Zip Code 19808. The
                  Registered Agent in charge thereof is Corporation Service
                  Company.

THIRD:            The purpose of the corporation is to engage in any lawful act
                  or activity for which corporations may be organized under the
                  General Corporation Law of Delaware.

FOURTH:           The amount of the total authorized capital stock of this
                  corporation is 1,000 shares of no par value.

FIFTH:            The name and mailing address of the incorporator are as
                  follows:

                  Name:             Peter G. Roth

                  Mailing Address:  c/o Vamum, Riddering, Schmidt & Howlett LLP
                                    P.O. Box 352, Grand Rapids, Michigan,
                                    49501-0352

I, THE UNDERSIGNED, for the purpose of forming a corporation under the laws of
the State of Delaware, do make, file, and record this Certificate, and do
certify that the facts herein stated arc true, and I have accordingly hereunto
set my hand this 28th day of October, 2002.

                                                 /s/ Peter G. Roth
                                    By: ----------------------------------------
                                                    (Incorporator)

                                                       Peter G. Roth
                                    Name:  -------------------------------------
                                                      (type or print)

[SEAL OF STATE OF DELAWARE]