Merchant Fund Express
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$25,000 Equipment Financing to Get Back to Work

Replace or add the equipment that keeps revenue moving. Apply in 5 minutes, send about three months of statements, and keep your cash in the business.

Finance Equipment

Equipment Financing

Keep operating cash free while the new machine earns

A $25,000 equipment purchase should not drain the account that covers payroll and inventory. Financing spreads the cost across a schedule you see up front.

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.

Equipment financing built for smaller purchases

Quick and light on paperwork

5-minute application, about three months of bank statements, no tax returns. Funding in as little as 24 hours for qualified businesses.

Flexible on credit

FICO 500+ considered with a soft credit pull to start.

Full cost before you accept

Your offer shows the total repayment amount. No surprise costs after you sign.

Payments mapped out

The repayment schedule is laid out in the offer so you can plan it against 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.

The kind of equipment $25,000 covers

At $25,000 you are usually not outfitting a new location. You are replacing the walk-in cooler that quit, adding a second commercial mower, buying a diagnostic scanner for the shop, or upgrading a POS system that keeps crashing at checkout.

These purchases are often urgent and directly tied to revenue. When the equipment is down, sales are down.

Financing versus paying cash

Plenty of owners could write a $25,000 check. The question is whether they should. Draining operating cash for one purchase can leave payroll and inventory exposed. Equipment financing spreads the cost so the machine starts earning while your cash stays available for the rest of the business.

What we need from you

No tax returns required. FICO 500 and up is considered, and we start with a soft credit pull. Sole proprietors can apply.

How the amount is decided

Even with a quote in hand, the amount we can offer depends mainly on your deposits and the obligations you already carry. A $25,000 machine for a business with steady deposits is usually a straightforward review. For illustration, a bakery with consistent weekly deposits replacing a deck oven would be a typical fit.

Clear terms before you commit

Your offer shows the full repayment amount and the repayment schedule before you accept. Nothing gets added after you sign. When you are ready, apply here. Planning a larger purchase? See $50,000 equipment financing.

Matching the purchase to the payoff

Before you finance any machine, ask a simple question: how does this equipment pay for itself? A second mower lets a crew take on more accounts. A new cooler prevents spoiled inventory. A faster printer cuts turnaround on rush orders. When you can connect the equipment to revenue, the repayment schedule in your offer is easier to judge. We encourage owners to run that math before they accept, and to borrow only what the purchase actually needs. If the seller offers a discount for paying in full up front, factor that into the decision too.

Sole proprietors and small crews apply the same way larger shops do, with the same short application.

Frequently Asked Questions

Can I finance used equipment for $25,000?

Tell us what you are buying in the application. We review the business first, mainly deposits and existing obligations, and the offer reflects that review.

How long does $25,000 equipment financing take?

Decisions move quickly, and funding can arrive in as little as 24 hours for qualified businesses after you accept.

Do I need a quote before applying?

It helps, but you can start the 5-minute application first and share equipment details as we review.

What credit score do I need?

FICO 500 and up is considered. Credit is one part of the picture alongside your bank deposits.

Will I see the full cost before I sign?

Yes. The full repayment amount and schedule are in your offer up front.

Walk-in cooler $14,000.00
Commercial mower $11,500.00
POS upgrade $6,000.00
Shop diagnostic tool $7,800.00

Example uses for illustration only.

How to improve your chances

A cleaner file means a faster equipment review.

  • Get a written quote from the equipment seller
  • Keep three months of clean business statements
  • Note how the equipment ties to revenue
  • Limit new obligations right before applying

$25,000 equipment financing: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
5 minutes
Lengthy credit package
Paperwork
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Strong credit usually expected
Timing
As little as 24 hours if qualified
Weeks for underwriting
Initial pull
Soft credit pull
Hard pull

Get the equipment working this week

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

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