FICO 500+ considered. We look at your shop's deposits and steady work, not just a score. Apply in 5 minutes with a soft credit pull.
See My OptionsMachine Shop Funding, Bad Credit
Funding from $25,000 for tooling, material, repairs and payroll. About three months of bank statements, no tax returns, and an offer that shows every dollar you will repay.
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.
Apply in about five minutes and send three months of statements. Tax returns are not required.
A past rough patch is weighed alongside how your shop is running now.
Your offer shows the total repayment amount before you accept, and nothing is added after you sign.
The repayment schedule is laid out in your offer so you can plan around production.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Plenty of machine shop owners took a hit during a slow stretch: a big customer went under, a machine sat broken for weeks, or personal bills piled up while the shop got back on its feet. The score still shows it, even when the floor is full and the order book is solid today.
Merchant Fund Express considers FICO scores of 500 and up. Your credit is one input. Steady deposits, repeat customers and how your account is managed carry real weight too.
When credit is weaker, funders lean harder on what the bank statements show. They tend to look at:
None of these is a pass or fail switch on its own. They are weighed together, which is why a shop with a lower score but healthy deposits can still receive an offer. See how machine shops qualify for more detail.
A merchant cash advance and revenue-based financing lean heavily on your revenue, which can suit shops with credit blemishes. Working capital and equipment financing are also options depending on what you need the money for.
Funding can arrive in as little as 24 hours for qualified businesses. Sole proprietors can apply.
With weaker credit, it often pays to request what the shop truly needs, like a tooling restock or a specific repair, rather than the largest possible number. A focused request that your deposits can comfortably support is easier to say yes to and easier to repay.
FICO scores of 500 and up are considered. Your score is weighed alongside your deposits and existing obligations.
No. We start with a soft credit pull, which does not affect your credit score.
Not automatically. Funders look at the full picture, including how your business account is running today.
Tell us about it upfront. Existing obligations affect how much additional funding makes sense, and we need the full picture to make a fair offer.
Funding ranges from $25,000 to $5,000,000, depending mainly on your deposits and current obligations.
Example uses for illustration only.
These honest steps can help a machine shop with weaker credit.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding