Merchant Fund Express
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Equipment Financing for Ecommerce Businesses

Finance the racking, printers and packing gear that keep orders moving. A 5-minute application, three months of statements, no tax returns.

Price My Equipment

Ecommerce Equipment Financing

Pack faster, ship more, outsource less

From label printers to production machines, we review your deposits and the gear you need, then show the full cost before you accept.

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 online sellers finance gear with us

Fast review, light paperwork

About three months of bank statements and a 5-minute application. No tax returns. Funding in as little as 24 hours for qualified businesses.

Credit is not everything

FICO 500+ considered with a soft pull to start. Your sales deposits matter.

Costs shown first

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

Steady, known payments

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

Need capital this week?

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.

Online stores run on physical gear

Ecommerce may live on a screen, but orders get packed and shipped in the real world. As volume grows, stores outgrow the kitchen table and the spare room. Racking, packing stations, thermal label printers, scales, heat sealers, shrink wrap machines, embroidery or print equipment, and sometimes a delivery van all become part of the operation. Equipment financing for ecommerce spreads those costs so the gear can start saving time and labor right away.

What we review

We start with about three months of business bank statements and a 5-minute application. No tax returns. FICO 500+ considered, beginning with a soft credit pull. Sole proprietors can apply.

Funding ranges from $25,000 to $5,000,000, and funds can arrive in as little as 24 hours for qualified businesses. Share a vendor quote if you have one; it helps us review the request.

Bringing work in house

Many stores finance equipment to stop paying someone else for work they could do themselves. A print-on-demand shop may buy its own direct-to-garment printer. A candle brand may add a wax melter and labeling machine. A supplement seller may move from a 3PL to its own small warehouse with racking and a forklift.

Before you decide, compare the cost of the equipment against what you pay outside vendors today, and factor in space, labor and maintenance. Equipment that sits idle does not help cash flow.

An example, for illustration

For illustration: an apparel store pays an outside printer for every order. As volume climbs, those per-piece fees and the printer's turnaround time start limiting growth. The owner gets a quote for a direct-to-garment printer, a heat press and a curing unit, and compares the monthly repayment in the offer with what the outside printer charges each month. The equipment also lets the store ship faster, which helps reviews and repeat orders.

Not every store will see the same math, so run your own numbers before you decide.

Repairs and upgrades

If a key machine is broken rather than outdated, our ecommerce equipment repair funding page may be a better starting point. Growth that involves a new warehouse or production space? See ecommerce expansion funding.

Other ways to fund growth

Equipment financing ties funds to a specific asset. For inventory or ads, working capital for ecommerce is usually the better fit. When you are ready to price your equipment, start the application.

Frequently Asked Questions

What equipment can an online store finance?

Common requests include racking, packing stations, label printers, scales, sealers, production machines like printers or embroidery units, forklifts and delivery vans.

Can I finance used equipment?

Used equipment is a common request. Share the listing or quote and we will review it with your statements.

Do I need tax returns?

No. We review about three months of business bank statements.

I run my store from home. Can I apply?

Yes. Sole proprietors can apply, and we look at the deposits flowing through your business account.

How will I see the total cost?

Your offer shows the full repayment amount and schedule before you accept. Nothing is added after you sign.

Warehouse racking $18,000.00
DTG printer $28,000.00
Delivery van $45,000.00
Packing stations $7,500.00

Example uses for illustration only.

How to improve your chances

A little prep helps an equipment request go smoothly.

  • Get a written quote with model and delivery details
  • Compare equipment cost with what you pay vendors now
  • Keep payouts flowing into one business account
  • Avoid overdrafts in the months before applying

Ecommerce equipment financing: us vs. a bank

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

Get the gear that keeps orders shipping

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

Apply for Funding
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