Merchant Fund Express
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Equipment Financing for Convenience Stores

Replace the cooler, upgrade the POS, add a hot food counter. Three months of bank statements, no tax returns, and FICO 500+ considered.

Finance My Equipment

Convenience Store Equipment

When the cooler quits, sales stop

Spread the cost of the equipment that keeps your store selling. We review your deposits and show the full cost before you decide.

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.

Why owners finance store equipment with us

Fast review, short paperwork

A 5-minute application and recent statements. No tax returns. Funding in as little as 24 hours for qualified stores.

FICO 500+ considered

We start with a soft pull and weigh your daily deposits and existing obligations.

Clear total cost

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

Steady, known payments

The schedule is laid out in your offer up front, so equipment payments fit your weekly plan.

Payroll before sales come in?

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.

The equipment your sales depend on

In a convenience store, equipment is not background. If the walk-in cooler goes down, cold drinks stop selling. If the POS freezes, the line backs out the door. Roller grills, coffee machines, ice merchandisers and freezers all earn money every hour they run. Equipment financing lets you replace or upgrade them and spread the cost, instead of draining the register account in one shot.

What store owners finance

If the problem is a repair rather than a replacement, our convenience store equipment repair funding page is a closer match.

Simple review, clear numbers

We look at about three months of business bank statements and a 5-minute application, plus the details of what you want to buy. No tax returns are required. We start with a soft credit pull and consider FICO 500+, and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000 and can arrive in as little as 24 hours for qualified businesses.

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

Replace before it fails

Many owners wait until equipment breaks. That usually means emergency pricing, lost product and empty coolers during the busiest hours. If a unit is old, noisy or running up the power bill, it can make sense to plan the replacement on your own schedule. For illustration, an owner with a twenty-year-old beer cave might price a new unit in the spring, finance it, and have it installed before summer traffic peaks. The amount we can offer depends mainly on your deposits, existing obligations and the equipment cost.

Planning an upgrade or an expansion

Upgrading to energy-efficient refrigeration or adding a hot food section can change what your store sells. If equipment is part of a bigger move, like a second location or a remodel, read convenience store expansion funding. For mixed needs, where some money goes to equipment and some to stock, working capital may be simpler. When you know what you need, apply here.

Frequently Asked Questions

What equipment can a convenience store finance?

Coolers, freezers, ice machines, POS systems, coffee and food equipment, cameras and shelving are common requests.

Do I need a quote from the vendor?

A quote or listing helps us understand the request. Bring what you have, along with your bank statements.

Can I finance used or refurbished equipment?

Used equipment requests are reviewed. Share the details and we will take a look.

How much paperwork is involved?

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

When will I see the total cost?

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

Can I bundle several pieces of equipment together?

Yes. Owners often combine a cooler, ice machine and POS upgrade into one request. Bring quotes for each item so we can review the full package and lay out a single clear offer.

Walk-in cooler $38,000.00
POS system $14,000.00
Ice machine $11,000.00
Coffee station $16,000.00

Example uses for illustration only.

How to improve your chances

Getting these together first makes an equipment request easier.

  • Get a written quote for the equipment
  • Keep card deposits in one business account
  • Reduce overdrafts before applying
  • Have three months of statements ready

Equipment financing with us vs. a bank

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Several weeks
Documents
About 3 months of bank statements
Tax returns and financials
Credit
FICO 500+ considered
Strong credit usually expected
Credit check
Soft pull to start
Hard pull common
Application
About 5 minutes
Long application

Keep the store's equipment earning

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

Apply for Funding
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