Merchant Fund Express
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$1,000,000 Equipment Financing for Serious Builds

Fund a full fleet, production line or multi-site fit-out. We size offers around your deposits, with a 5-minute application and no tax returns.

Check My Options

Equipment Financing

Put the whole equipment package in one request

Machines, attachments, install and delivery often land on the same invoice. Bring us the quote and three months of statements and we will show you what fits.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Why owners finance big equipment with us

Fast decisions, light paperwork

A 5-minute application and about three months of bank statements. Qualified businesses can be funded in as little as 24 hours.

Credit is one factor, not the only one

FICO 500+ considered. Deposits and the equipment itself carry real weight in how we look at the file.

Full cost shown before you sign

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

Repayment laid out up front

The payment schedule is spelled out in the offer, so you can plan it against the revenue the equipment brings in.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

What a seven-figure equipment request usually covers

A $1,000,000 equipment request is rarely one machine. Most of the time it is a package: a CNC line plus tooling, a set of excavators and a lowboy, a commercial kitchen fit-out across two locations, or an imaging suite for a clinic. We look at the whole package and how it fits the business that will run it.

Equipment financing is built so the asset you buy is tied to the funding, which keeps the conversation focused on what the equipment does for your revenue rather than on a stack of tax filings.

How we size a $1,000,000 request

The amount we can offer depends mainly on two things: your monthly deposits and the obligations you already carry. A business with strong, steady deposits and light existing payments has more room than one with the same revenue and several open balances.

For illustration: a contractor depositing well into the hundreds of thousands each month, with no other financing on the books, is in a very different position from a shop of the same size that is already paying on two other agreements. Both can apply. The offers will reflect the difference.

If a full $1,000,000 does not fit today, we will tell you what does, and you can decide whether to phase the purchase.

What we ask for

No tax returns are required. FICO scores from 500 are considered, and sole proprietors can apply.

Thinking through the purchase before you apply

Before you send a request this large, it helps to walk through the numbers the way we will. Start with the monthly deposits your business brings in during a normal month, not your best one. Then list every payment already going out: other financing, leases, large recurring vendor bills. What is left is the room a new equipment payment has to fit inside.

Next, think about timing. Will the equipment produce revenue the week it arrives, or does it need installation, permits and staff training first? A machine that takes a quarter to ramp up puts more strain on cash flow early on, and it is worth planning for that gap. Owners who show they have thought through the ramp-up tend to have smoother conversations about large packages, and they are less likely to be caught short after delivery.

Other ways to fund a large build

Some owners pair equipment financing with $1,000,000 working capital to cover installation, training and the ramp-up period. Others need more room and look at $2,000,000 equipment financing. When you are ready, start your application.

Frequently Asked Questions

Can I finance used equipment at this size?

Often, yes. Send the quote and details on the equipment's condition and we will review it alongside your bank statements.

Do I need to show tax returns for a $1,000,000 request?

No. We work from about three months of business bank statements plus the equipment quote.

How fast can funds move?

Qualified businesses can be funded in as little as 24 hours once the file is complete and the offer is accepted.

What if I qualify for less than $1,000,000?

We will show you the amount that fits your deposits so you can phase the purchase or adjust the package.

Will applying hurt my credit?

The application starts with a soft credit pull, so checking your options does not begin with a hard inquiry.

Can I include installation and delivery in the request?

Include them on the vendor quote and we will review the full package, including delivery and installation costs, against your deposits.

CNC line $420,000.00
Excavator pair $310,000.00
Kitchen fit-out $185,000.00
Imaging suite $365,000.00

Example uses for illustration only.

How to improve your chances

A few steps can make a large equipment request easier to approve.

  • Get a written quote with model numbers and delivery costs
  • Keep daily balances steady in the months before you apply
  • List every current financing payment honestly on the application
  • Show how the new equipment adds revenue or cuts costs

Equipment financing: us vs a typical bank

Merchant Fund Express
Traditional bank loans
Application
5 minutes
Long forms and meetings
Documents
About 3 months of statements
Tax returns, financials, projections
Credit
FICO 500+ considered
Usually strong scores only
Speed
As little as 24 hours if qualified
Weeks to months
Initial pull
Soft credit pull to start
Hard pull early on

Ready to price your equipment package?

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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