Merchant Fund Express
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Equipment Repair Funding for Construction

Get the excavator, loader or skid steer back on the job. Cover parts, labor and a rental with a five-minute application and three months of statements.

Fix My Equipment

Construction Equipment Repairs

Every day a machine sits, the job falls further behind

Downtime eats margin fast. We fund working capital from your recent deposits so you can pay the shop, rent a backup unit and keep the crew productive.

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 money without the runaround

Speed with minimal paperwork

Five-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified businesses.

Credit flexibility

FICO 500+ considered. A soft pull starts things, and steady job deposits weigh heavily.

No surprises on cost

The full repayment amount is in your offer before you accept, and nothing new appears after you sign.

Predictable payments

Your repayment schedule is laid out in the offer, so you know what is due and when.

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.

A broken machine costs more than the repair

When an excavator throws a hydraulic line or a loader needs a new final drive, the repair bill is only part of the damage. The crew stands around, the schedule slips, liquidated damages clauses start to matter, and the next sub in line gets pushed. In construction, downtime is usually the bigger expense.

Repair shops and dealers often want payment before the machine leaves the bay. That is where fast working capital helps.

What repair funding can cover

Repair or replace?

Sometimes the honest answer is that the old machine is done. If the repair estimate is creeping toward the value of the unit, equipment financing for a replacement may be the better use of money. If you just need the machine running again this week, working capital or a merchant cash advance is usually the quicker path. We can talk through both when you apply.

How the process works

  1. Complete the five-minute application. We start with a soft credit pull.
  2. Share about three months of business bank statements. No tax returns required.
  3. Review your offer, which shows the full repayment amount and the repayment schedule.
  4. Once you accept, qualified businesses can be funded in as little as 24 hours.

FICO 500+ is considered, and sole proprietors can apply. Offers range from $25,000 to $5,000,000, sized mainly from deposits and existing obligations.

Keep the fix from becoming a new problem

Get a written repair estimate before you apply so you request the right amount. Add the cost of a rental if the repair will take more than a few days. Then check that the repayment schedule fits your normal deposit pattern, not just the busy weeks. A well-sized offer gets the iron moving without squeezing the next month.

Does the machine have to be paid off to get repair funding? No. Working capital is based mainly on your business deposits and existing obligations, so an existing equipment note does not stop you from applying. We do look at what you already pay each month.

Frequently Asked Questions

Can I get funding for a repair before I have the final invoice?

Yes. A written estimate from your dealer or mechanic is enough to figure out how much to request.

Can the funds cover a rental machine while mine is in the shop?

Yes. Working capital is flexible and can pay for rentals, hauling and parts together.

Should I repair or finance a new machine?

If repair costs are close to the machine's value, equipment financing for a replacement may make more sense. We can help you compare.

How fast can I get repair money?

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

What credit score do I need?

We consider FICO scores from 500 and start with a soft credit pull.

Do you fund owner-operators with one or two machines?

Yes. Sole proprietors and small outfits can apply if the business shows steady deposits.

Hydraulic rebuild $16,500.00
Undercarriage $28,000.00
Rental excavator $12,000.00
Engine overhaul $34,000.00

Example uses for illustration only.

How to improve your chances

Good maintenance habits cut repair surprises and make funding easier.

  • Log hours and service intervals for every machine
  • Get written estimates before authorizing repairs
  • Keep a short list of rental sources nearby
  • Budget a monthly maintenance reserve

Repair funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About five minutes
Long application and review
Documents
About 3 months of statements
Returns, statements, collateral list
Credit
FICO 500+ considered
Strong scores usually required
Speed
As little as 24 hours if qualified
Often weeks
Use of funds
Parts, labor, rentals, hauling
Often limited to the asset

Get the machine back on the job

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

Apply for Funding
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