Merchant Fund Express
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Equipment Repair Funding for Clothing Stores

Fix the HVAC, POS or security gates before they cost you a weekend of sales. Funding in as little as 24 hours for qualified stores.

Fund My Repair

Clothing store equipment repair

Get the store working again before the weekend rush

Broken equipment pushes shoppers out the door. We help clothing stores pay for repairs quickly so the sales floor stays open and comfortable.

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 moves at retail speed

Fast, simple process

5-minute application, about three months of bank statements. Funding in as little as 24 hours if qualified.

Room on credit

FICO 500 and up considered. Store deposits carry real weight.

Know the total

The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.

Steady repayment

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

Waiting on deposits to land?

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.

Small breakdowns, big effects on the sales floor

A clothing store does not look equipment-heavy until something stops working. A dead POS terminal on a Saturday means a line out the door. A failed rooftop HVAC unit in July empties the fitting rooms. Broken anti-theft gates invite shrink, and a garment steamer or tagging gun that quits slows down every shipment you process. Repairs like these rarely fit neatly into the monthly budget, and waiting costs sales.

Repairs clothing store owners fund

ProblemWhy it cannot wait
HVAC or rooftop unitCustomers leave hot or cold stores fast
POS and card readersEvery lost transaction is lost revenue
EAS security gatesShrink climbs when gates are down
Lighting and display fixturesMerchandise does not sell in the dark
Storefront glass or doorsSecurity and curb appeal

What it takes to apply

Start with our 5-minute application. We use a soft credit pull to begin and ask for about three months of business bank statements. No tax returns are required. FICO scores of 500 and up are considered, and sole proprietors can apply. Qualified stores can be funded in as little as 24 hours, which helps when a technician is ready to start but wants payment first.

Repair or replace?

If a unit is old and the repair quote is a large share of a new one, replacement may make more sense. In that case equipment financing for clothing stores is worth a look. For straightforward repairs, working capital or a merchant cash advance covers the bill directly. If you want a standing reserve for the next breakdown, a line of credit can sit ready.

Your offer always shows the full repayment amount and the schedule before you accept.

Get the quote first

Ask your technician for a written estimate, including parts and labor, before you request funding. That keeps the amount tight. For illustration, a store facing a $14,000 HVAC compressor job plus $3,000 for new card readers would size the request around those numbers rather than rounding way up. Funding starts at $25,000, so many owners bundle a repair with a related upgrade or a stock reorder.

Frequently Asked Questions

What counts as equipment for a clothing store?

POS systems, HVAC, security gates, lighting, fixtures, steamers, tagging equipment and similar items that keep the store running.

How quickly can repairs be funded?

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

Do I need to show tax returns?

No. About three months of business bank statements is the main document.

Should I finance a new unit instead of repairing the old one?

If repair costs approach replacement cost, equipment financing may be the better route. We can review either option.

Will you check my credit?

We start with a soft credit pull. FICO 500 and up is considered.

My repair is under $25,000. Can I still apply?

Funding starts at $25,000. Many clothing store owners pair a smaller repair with related needs, such as a POS upgrade, new lighting or a stock reorder, so the full amount goes to work instead of sitting idle in the account.

HVAC repair $16,000.00
POS upgrade $9,000.00
Security gates $11,500.00
Lighting refit $13,000.00

Example uses for illustration only.

How to improve your chances

Preventive steps can cut down on surprise repair bills.

  • Book HVAC service before peak summer and winter
  • Keep spare card readers on hand for busy days
  • Log every repair with date, vendor and cost
  • Get two quotes on any repair over a few thousand dollars

Repair funding: Merchant Fund Express vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Lengthy loan packet
Documents
Bank statements only
Tax returns and more
Credit
FICO 500+ considered
Strong credit expected
Timing
As little as 24 hours if qualified
Weeks, repair waits
Initial credit check
Soft pull
Hard pull common

Fix it now and keep selling

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

Apply for Funding
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