Merchant Fund Express
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Equipment Financing for Clothing Stores

Finance POS systems, fixtures, steamers, lighting and security without tying up inventory cash. Apply in about 5 minutes.

Finance Equipment

Clothing Store Equipment Financing

A sharper sales floor without draining the register

Fixtures, lighting and checkout technology shape how shoppers see your store. Spread the cost so cash stays free for the next buy.

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 made for retailers

Quick process, short checklist

A 5-minute application and three months of statements. Qualified businesses can be funded in as little as 24 hours.

Flexible on credit

FICO 500+ is considered, and your sales deposits matter in the review.

Full cost before you sign

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

Repayment set out in advance

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

Cash flow tight this month?

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 matters more in apparel than people think

Shoppers notice the clothes first, but the equipment behind them shapes the whole experience. A slow point-of-sale system creates lines at the register. Worn fixtures make new arrivals look tired. Without a good steamer, garments come out of the box wrinkled. Equipment financing lets your store spread the cost of these purchases so day-to-day cash stays available for inventory and payroll.

What clothing stores commonly finance

If a key piece just failed and you need a fast fix, our clothing store equipment repair funding page may fit better. For a full store refresh tied to growth, see expansion funding.

How we review the request

We look at about three months of business bank statements to understand sales deposits and existing obligations. No tax returns are required. The application takes about 5 minutes with a soft credit pull to start, and FICO 500+ is considered. Sole proprietors can apply.

Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours. A vendor quote or invoice for the equipment makes the request clearer.

Thinking about return on the purchase

Some equipment pays back in obvious ways. A faster register setup moves more shoppers through during a busy Saturday. Better lighting and fixtures can lift how merchandise presents. Security systems may cut losses. Others are about staying functional. Before you commit, write down what the purchase changes for the store, then compare that with the full repayment amount and schedule your offer shows before you accept.

Pairing equipment with the rest of your plan

New fixtures often go hand in hand with a fresh inventory buy or a relaunch event. If so, you may also want working capital or inventory funding for the stock that fills them. Start with the piece that matters most and apply here.

If you plan several purchases over the year, rank them by impact. The register setup that slows every sale usually comes before the decorative window build, even if the window is more fun to plan.

Frequently Asked Questions

Can I finance store fixtures and displays?

Yes. Racks, wall systems, display tables and window builds are common requests for clothing stores.

Can I include a new POS system?

Point-of-sale hardware and scanners are typical equipment requests. Include the vendor quote with your application.

Do you finance used fixtures?

Tell us what you are buying and from whom. Used equipment from a reputable seller can be part of a request.

What do I need to apply?

About three months of business bank statements and a 5-minute application. No tax returns are required.

What credit score is considered?

FICO 500+ is considered, weighed alongside your deposits and existing obligations.

POS upgrade $14,000.00
New fixtures $26,000.00
Lighting refresh $11,500.00
Security tags $7,200.00

Example uses for illustration only.

How to improve your chances

Preparing these items helps an equipment request move smoothly.

  • Get a written quote from each equipment vendor
  • Note how the purchase helps sales or cuts losses
  • Keep all sales deposits in one business account
  • Have three months of statements saved as PDFs

Our equipment financing vs. a bank

Merchant Fund Express
Traditional bank loans
Documents
Statements plus a vendor quote
Tax returns and financials
Credit
FICO 500+ considered
Strong credit usually expected
Application
About 5 minutes
Lengthy loan packet
Speed
As little as 24 hours if qualified
Often several weeks
First credit check
Soft pull to start
Hard pull common

Upgrade the floor before your next big season

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

Apply for Funding
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