Merchant Fund Express
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Equipment Repair Funding for Catering

Fix the oven, cooler or refrigerated van fast so a breakdown does not cost you the next event.

Fix It Now

Catering Equipment Capital

A broken cooler should not cancel a wedding

Commercial kitchen repairs often need cash up front. Working capital covers the fix so your event calendar stays intact.

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.

Repair funding that keeps events on

Fast when an event date is fixed

Decisions move fast, and qualified businesses can be funded in as little as 24 hours. Minimal paperwork.

Credit flexibility

FICO 500+ is considered, and the first step is a soft credit pull.

Full repayment shown up front

Your offer shows exactly what you will repay before you accept, with no surprise costs later.

Predictable payments

The repayment schedule is laid out in the offer, so you can plan around upcoming events.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

Apply Now

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.

When the walk-in quits on a Thursday

Equipment failures in catering never pick a convenient week. A walk-in cooler that stops holding temperature two days before a 300-guest wedding is not a maintenance issue, it is a crisis. The same goes for a combi oven, a commercial dishwasher, chafing and hot-holding gear, or the refrigerated van that gets food to the venue safely.

Repair bills for commercial kitchen equipment can be large, and parts and technicians often want payment up front.

Repair or replace?

Working capital can cover a repair right away. If the unit is old enough that replacement makes more sense, equipment financing for catering spreads the cost of new gear. A rough way to decide:

What we need from you

We keep paperwork light. Plan on about three months of business bank statements; no tax returns are required. FICO scores of 500 and above are considered, and we start with a soft credit pull. Sole proprietors can apply. The application itself takes about 5 minutes.

Decisions move fast, and qualified businesses can be funded in as little as 24 hours, which matters when an event date is fixed.

Equipment that most often fails

In our experience talking with caterers, the same items come up again and again: refrigeration (walk-ins, reach-ins and refrigerated transport), combi and convection ovens, commercial dish machines, ice machines and hot-holding cabinets. Refrigeration failures are usually the most urgent, since food safety rules leave no room to wait. If any of these units are aging, it is worth knowing in advance what a repair or a replacement would cost, so a breakdown becomes a quick decision rather than a scramble the week of a big event.

Know the numbers before you commit

Your offer shows the full repayment amount and the repayment schedule before you accept, with no surprise costs after you sign. Compare that against the revenue the repaired equipment protects. Losing one large event usually costs far more than the repair. Ready to move? Start your application.

Frequently Asked Questions

Can I use the funds to pay a repair technician directly?

Yes. Working capital can go toward parts, labor or a service call.

What if I need to replace the unit instead?

Equipment financing for catering is designed for new or replacement gear. We can talk through which fits your situation.

How quickly can I get repair money?

Decisions move fast, and qualified businesses can be funded in as little as 24 hours.

My credit took a hit last year. Can I still apply?

FICO scores of 500 and above are considered. Credit is one factor alongside your deposits and existing obligations.

Do I need to show tax returns?

No. About three months of business bank statements is the starting point.

Is there a minimum amount for repair funding?

Funding starts at $25,000. Smaller repairs are often bundled with other needs, such as restocking or a second piece of equipment.

Walk-in cooler $14,000.00
Combi oven repair $9,500.00
Refrigerated van $22,000.00
Dish machine $6,800.00

Example uses for illustration only.

How to improve your chances

Planning ahead makes equipment emergencies cheaper and easier to fund.

  • Keep a service log for each major unit
  • Get repair quotes in writing before applying
  • Schedule preventive maintenance in slow months
  • Know which units are near end of life

Repair funding: us vs. a typical bank

Merchant Fund Express
Traditional bank loans
Time to decision
Decisions move fast
Often weeks
Documents
Three months of statements
Tax returns, financials, quotes
Credit
FICO 500+ considered
Strong credit usually expected
Application
5 minutes
Long forms, branch visit
Cost clarity
Full repayment shown up front
Varies by product

Get your kitchen back to full strength

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

Apply for Funding
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