Merchant Fund Express
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$250,000 Equipment Financing to Add Capacity

Finance machinery, vans, or production equipment up to $250,000. Five-minute application, bank statements, FICO 500+ considered.

Get Equipment Funding

Equipment Financing: $250,000

Let new equipment earn before it is paid off

A $250,000 equipment purchase should add revenue. Financing keeps cash in your account for materials and payroll while the new asset ramps up.

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 finance $250,000 in equipment with us

Speed with minimal paperwork

About 5 minutes to apply and three months of statements. Funding in as little as 24 hours for qualified businesses.

Flexible on credit

FICO 500+ considered, with deposits weighed heavily.

Full cost visible up front

See the full repayment amount in your offer before you accept. No surprise costs after you sign.

Fixed plan from day one

The repayment schedule is in your offer, so you can match it to new revenue.

Cash flow tight this month?

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.

Equipment purchases at the $250,000 level

At $250,000, you are often buying equipment that adds capacity: a second production line, a larger loader, a fleet of service vans, a commercial oven bank, or diagnostic equipment for a clinic. These are purchases that should pay for themselves through added work, and equipment financing lets that work start before the full price comes out of your account.

What we review

We start with your business bank statements, about three months. The core question is whether your deposits can support the repayment alongside your current obligations. We also look at credit (FICO 500+ considered), time in business, and the equipment itself.

For illustration: a manufacturer adding capacity

For illustration only: a metal fabrication shop running at capacity wants a second laser cutter and a press brake totaling about $250,000. Financing the purchase lets them accept a backlog of orders without draining the cash they need for steel and payroll. Their actual offer would hinge on their deposits and current obligations.

For a smaller purchase, see $200,000 equipment financing.

Run the numbers on the new equipment

Before applying, sketch out what the equipment will add. How many more jobs, units, or patients can you handle per month? What does that mean in deposits? Then compare that against the repayment schedule in your offer. If the added revenue comfortably covers repayment, the purchase likely makes sense. If it only covers it in your best months, think about a smaller package.

Remember that new equipment often brings extra costs too: installation, training, insurance, and sometimes added staff. Those come out of operating cash. Financing the equipment rather than paying outright keeps that cash available. If you also need a cushion for those ramp-up costs, some owners pair equipment financing with working capital sized to the gap. Your deposits and current obligations will shape what is realistic.

How to get started

  1. Apply in about five minutes; soft credit pull first.
  2. Upload recent business bank statements.
  3. Review your offer, including the full repayment amount and schedule.
  4. Qualified businesses can be funded in as little as 24 hours.

Apply for $250,000 equipment financing.

Frequently Asked Questions

What kind of equipment can I finance?

Machinery, vehicles, kitchen equipment, medical and diagnostic tools, and more. Describe the equipment in your application.

Do I need perfect credit?

No. FICO 500+ is considered alongside your deposits.

Will I need a vendor quote?

A quote helps the review move quickly and shows exactly what is being purchased.

How long does funding take?

Qualified businesses can be funded in as little as 24 hours after accepting.

Are there costs I will not see until later?

No. Your offer shows the full repayment amount before you accept, and no surprise costs appear after signing.

Can I finance several pieces of equipment together?

Yes. Many owners bundle related equipment into one request. List each item and its quote so the full package can be reviewed against your deposits and existing obligations.

Laser cutter $140,000.00
Service vans $95,000.00
Wheel loader $180,000.00
Oven bank $70,000.00

Example uses for illustration only.

How to improve your chances

Before applying for $250,000 in equipment, take care of these.

  • Get a vendor quote with model and price
  • Keep deposits steady in the business account
  • Avoid new obligations right before applying
  • Have three months of statements ready

Equipment financing: us vs. a bank

Merchant Fund Express
Traditional bank loans
Documents
3 months of bank statements
Tax returns, financials, appraisals
Credit
FICO 500+ considered
Strong credit expected
Application
About 5 minutes
Extended loan process
Speed
As little as 24 hours if qualified
Weeks
First credit check
Soft pull
Hard pull

Finance your next piece of equipment

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

Apply for Funding
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