Merchant Fund Express
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Equipment Financing in Connecticut

Add or replace machines, kitchen gear, and vehicles without draining your cash. Five-minute application, soft pull to start.

Finance Equipment

Equipment Financing, Connecticut

Keep your cash and still get the machine

From CNC shops to restaurant kitchens, Connecticut businesses use equipment financing to grow capacity while protecting operating cash.

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.

Equipment funding without the delays

Quick turnaround

Apply in about five minutes with three months of statements. Qualified businesses funded in as little as 24 hours.

Credit flexibility

FICO 500+ considered. Your deposits carry real weight in the decision.

The full cost up front

Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.

Steady repayment

The schedule is spelled out in the offer so you can plan it against new output.

Ready to see your numbers?

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.

Getting the right equipment into your Connecticut shop

Connecticut has a long manufacturing tradition, from precision machine shops feeding aerospace and defense supply chains to small fabrication outfits in the Naugatuck Valley. Add restaurants, medical practices, landscapers, and contractors, and you have a state full of businesses that live or die by their equipment.

Equipment financing helps you add or replace that equipment without draining your operating cash. We size it mainly around your deposits and existing obligations, with amounts from $25,000 to $5,000,000.

What owners finance

IndustryTypical equipment
Machine shopsCNC mills, lathes, inspection tools
RestaurantsOvens, walk-in coolers, hoods
LandscapingMowers, skid steers, trailers
Medical and dentalImaging and treatment equipment
ContractorsWork vehicles, lifts, tools

Why finance instead of paying cash

Paying cash for a machine can leave you thin right when the new equipment should be earning its keep. Financing lets you keep a cushion for payroll, materials, and the ramp-up period while the equipment starts producing. It is also useful when a breakdown forces a purchase you did not plan for.

What we need from you

Apply through our 5-minute application. We review about three months of business bank statements and start with a soft credit pull. No tax returns are required, FICO scores of 500 and up are considered, and sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours.

If you also need cash for operations around the purchase, see working capital in Connecticut.

An example from a machine shop

For illustration: a small precision shop in central Connecticut wins work from a larger aerospace supplier, but the new parts need a five-axis machine it does not own. Paying cash would empty the operating account just as material bills arrive. Financing the machine lets the shop accept the work, keep cash on hand for materials and payroll, and repay as the new jobs bill out.

Restaurants follow a similar pattern when a walk-in cooler dies in July and replacing it cannot wait.

Clear offers

Your offer shows the full repayment amount and the repayment schedule before you accept, so you can weigh the cost against what the equipment will produce. There are no surprise costs after you sign.

Frequently Asked Questions

Can I finance used equipment?

We look at your business and its deposits first. Tell us about the equipment in your application and we will review what fits.

How much equipment financing is available?

Funding ranges from $25,000 to $5,000,000, depending mainly on deposits and existing obligations.

Do I need tax returns?

No tax returns are required. About three months of business bank statements is the core review.

What credit score do I need?

FICO scores of 500 and up are considered alongside your deposits and balances.

How fast can I get funded?

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

Can equipment financing cover emergency replacements?

Yes. When a key machine fails, financing a replacement can keep your business running while protecting operating cash.

CNC mill $140,000.00
Walk-in cooler $34,000.00
Skid steer $58,000.00
Dental chair $29,000.00

Example uses for illustration only.

How to improve your chances

Some preparation makes equipment funding faster to arrange.

  • Get a written quote from your equipment seller
  • Know how the equipment adds revenue or cuts costs
  • Keep three recent business statements ready
  • Plan for installation and training time

Equipment financing: us vs. a bank

Merchant Fund Express
Traditional bank loans
Documents
About 3 months of statements
Tax returns and full financials
Credit
FICO 500+ considered
Strong history usually needed
Speed
As little as 24 hours if qualified
Several weeks
First credit check
Soft pull to start
Hard inquiry
Cost disclosure
Full repayment shown before accepting
Varies by lender

Get your next machine working for you

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

Apply for Funding
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