Merchant Fund Express
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$150,000 Equipment Financing That Fits Your Cash Flow

Buy the machine that lets you take on bigger work. Apply in 5 minutes with about three months of bank statements and an equipment quote.

Finance My Equipment

Equipment Financing

Add capacity without starving the operating account

For established businesses ready to invest in larger equipment, we spread the cost so you keep cash on hand for payroll, materials, and day-to-day costs.

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.

Financing big equipment, simplified

Minimal paperwork, quick funding

A 5-minute application, about three months of statements, and your quote. Funding in as little as 24 hours for qualified businesses.

Flexible on credit

FICO 500+ considered. We start with a soft pull and weigh the strength of your deposits.

Know the total before you sign

Your offer states the full repayment amount up front, with no surprise costs after signing.

Payments set out clearly

The repayment schedule is spelled out in the offer before you accept.

Payroll before sales come in?

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.

Bigger equipment, bigger stakes

At $150,000, you are usually looking at a purchase that changes what your business can take on: a mid-size excavator, a second refrigerated truck for local routes, a production printer, a commercial laundromat refit with new washers and dryers, or imaging equipment for a medical practice. The right machine opens up new work. The wrong financing can squeeze the cash you need to run that work.

Matching the payment to the machine

Before applying, sketch out how the equipment earns or saves money. Will it let you bid on larger jobs? Replace rental costs? Reduce overtime? Knowing that answer helps you judge whether the repayment schedule in your offer fits comfortably alongside your other bills.

Every offer from us shows the full repayment amount and the schedule up front, so you can run the numbers before you commit.

How the $150,000 figure gets set

We base the offer mainly on your monthly business deposits and existing obligations. For illustration: an excavation company with steady deposits and one small existing payment might be offered close to $150,000 for a new machine. A company with the same revenue carrying several open obligations might be offered less, with the option to put down a deposit or use a trade-in to make up the difference.

Credit is reviewed too. FICO scores from 500 and up are considered.

Paperwork we need

No tax returns are required, and we start with a soft credit pull. Sole proprietors can apply. If you are comparing smaller purchases, see $100,000 equipment financing, or if you also need operating cash, look at $150,000 working capital.

Ready when you have the quote

Once you know what you are buying, apply online. Funding can arrive in as little as 24 hours for qualified businesses.

Frequently Asked Questions

What kinds of equipment can be financed at $150,000?

Construction machinery, delivery vehicles for regional and local routes, kitchen equipment, medical and dental equipment, manufacturing tools, and similar business assets.

Can I finance equipment from a private seller?

Often, yes. Have a written bill of sale or quote with the price and equipment details ready.

How much of the $150,000 can be financed?

That depends mainly on your deposits and existing obligations. Some businesses are offered the full amount; others receive a lower figure and cover the rest with a deposit or trade-in.

Does a lower credit score rule me out?

FICO scores from 500 and up are considered. Your business bank activity weighs heavily in the decision.

When do I see the repayment details?

Your offer lays out the full repayment amount and schedule before you accept.

Excavator $138,000.00
Reefer truck $112,000.00
Laundry refit $96,000.00
Imaging unit $150,000.00

Example uses for illustration only.

How to improve your chances

These moves can help a $150,000 equipment request come back at the amount you need.

  • Get a detailed written quote from the seller
  • Show how the machine adds jobs or cuts costs
  • Keep at least three clean months of statements
  • Consider a trade-in to lower the financed amount

Equipment financing: us vs. a typical bank

Merchant Fund Express
Traditional bank loans
Paperwork
Statements and a quote
Full financial package
Tax returns
Not required
Usually required
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours if qualified
Weeks for approval
First step
5-minute application
In-person meeting

Get your $150,000 equipment on the job

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

Apply for Funding
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