Merchant Fund Express
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Equipment Financing in Florida That Keeps You Working

Replace worn-out gear before it costs you jobs. $25,000 to $5,000,000 for Florida businesses, 5-minute application, soft pull, and no tax returns.

Finance Equipment

Equipment Financing, Florida

Built for heat, salt air and busy seasons

Florida equipment works hard. We review your bank statements and equipment quote, then show the full repayment amount and schedule before you commit.

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 financing, Florida style

Fast, with light paperwork

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

Flexible credit review

FICO 500+ considered with a soft pull to start. Steady deposits weigh heavily.

Full costs before signing

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

A schedule you know in advance

The repayment schedule is in your offer up front, so you can match it to your peak months.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

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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.

Equipment that earns its keep in Florida

Heat, salt air and humidity are hard on equipment. Florida HVAC contractors run their trucks and gauges hard every summer. Restaurant compressors work overtime. Marine shops in Fort Lauderdale and Destin depend on lifts and diagnostic tools that cost real money to replace. When something essential wears out, the cost of downtime is usually bigger than the cost of the replacement.

We offer equipment financing to established Florida businesses with steady deposits, with amounts from $25,000 to $5,000,000.

What you can finance

New or used, the review starts the same way: with your bank statements and a quote for the item.

Our process

Complete a five-minute application, upload about three months of business bank statements, and we start with a soft credit pull. FICO 500+ is considered, no tax returns are required, and sole proprietors can apply. Your offer shows the full repayment amount and the repayment schedule before you accept. Qualified businesses can be funded in as little as 24 hours.

Plan purchases around the calendar

Florida's busy seasons vary by trade. Pool and HVAC companies peak in the hot months. Hospitality and retail peak with winter visitors. Agriculture follows citrus, vegetable and nursery cycles. Buying before your peak gives the equipment time to start earning, so repayment lines up with your strongest deposits instead of your weakest.

Other ways to fund growth

Some purchases come bundled with other costs, like installation, hiring, or a build-out. In those cases, working capital in Florida or a line of credit can sit alongside equipment financing. Not sure which fits? Tell us what you are buying and why, and start your application.

Sizing the request

The amount we can offer depends mainly on your deposits and the obligations you already carry, not just the sticker price of the equipment. For illustration, a Pensacola landscaping company with steady deposits and few existing payments may have room to finance a new zero-turn fleet, while a similar company already carrying several payments may be better served starting with one or two machines. Either way, we would rather size the offer to what your account can comfortably handle.

Bring a written quote, tell us whether the item is new or used, and explain what it will do for the business: more jobs per day, lower repair bills, or a new service line. That context helps us shape an offer that makes sense.

Frequently Asked Questions

Can I finance used equipment in Florida?

Yes, used equipment can be considered. Share the quote, the seller and the condition when you apply.

Do I need a down payment?

Your offer will spell out exactly what is required. Every cost and the full repayment amount are shown before you accept.

What credit score is needed?

FICO 500+ is considered, and the review starts with a soft credit pull.

How fast can I get the equipment funded?

Qualified businesses can be funded in as little as 24 hours after approval and signed paperwork.

What paperwork do I need?

About three months of business bank statements and a quote or invoice for the equipment. No tax returns.

HVAC service van $62,000.00
Pool equipment $35,000.00
Kitchen line $95,000.00
Marine lift $140,000.00

Example uses for illustration only.

How to improve your chances

Have these ready to speed up your equipment review.

  • Get a dated quote or invoice from the seller
  • Note whether the item is new or used
  • Keep business deposits in a single account
  • Explain how the equipment adds jobs or revenue

Equipment financing: us vs. a typical bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Long application packet
Documents
Statements plus a quote
Tax returns and financials
Credit range
FICO 500+ considered
Strong credit expected
Credit check to start
Soft pull
Hard pull common
Funding speed
As little as 24 hours if qualified
Weeks in many cases

Get your next piece of equipment working

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

Apply for Funding
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