Merchant Fund Express
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Equipment Financing for Freight and Logistics

Put trucks, forklifts and warehouse gear to work for your regional freight operation without emptying the operating account.

Check My Options

Equipment Financing

Keep regional loads moving with the right equipment

From straight trucks to dock levelers, we help established regional and local carriers and warehouses fund the equipment that drives revenue, using bank statements instead of tax returns.

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 freight operators use us for equipment

Fast review, light paperwork

A 5-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified businesses.

Credit is one factor, not all

FICO 500+ considered. We put real weight on steady deposits from shippers and customers.

Clear total cost

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

Payments you can plan around

The payment schedule is laid out in the offer up front, so you can match it to your billing cycle.

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.

Equipment is the business in freight

In a regional freight or logistics operation, almost every dollar of revenue passes through a piece of equipment first. A box truck that runs local deliveries, the forklift that loads it, the dock leveler, the pallet racking, the scanners on the warehouse floor. When one of those is down or missing, loads wait and customers notice.

Equipment financing lets you put the asset to work now and pay for it over time, instead of draining the operating account that also covers fuel, insurance and drivers.

What we can help fund

We work with established regional and local carriers, warehouses, 3PLs and last-mile operators. Typical requests include:

We do not offer funding for long-haul trucking. Our focus is regional and local freight work.

How the review works

The 5-minute application starts with a soft credit pull, so looking at options will not ding your score. From there we ask for about three months of business bank statements. No tax returns are required, FICO 500+ is considered, and sole proprietors can apply.

What matters most is steady deposits. If your shippers pay on regular cycles and that shows up in the account, that history carries real weight in sizing an offer.

Matching the product to the purchase

Not every equipment need is best handled with equipment financing. If you need cash to cover a repair on something you already own, our page on freight and logistics equipment repair funding covers that. For broader needs like payroll or fuel during a ramp-up, working capital for freight and logistics may fit better. Expanding into a new lane or warehouse? See expansion funding.

Read the offer before you sign

Your offer lays out the full repayment amount and the payment schedule before you accept anything. Run those numbers against your slowest month, not your best one. If the payment fits comfortably, move ahead. If it does not, ask about a smaller amount.

Frequently Asked Questions

Can I finance a used box truck for local delivery?

Used equipment for regional and local work can be considered. We look at the asset, your deposits and your existing obligations together.

Do you finance long-haul tractors?

No. We focus on regional and local freight and logistics operations and do not offer funding for long-haul trucking.

How fast can equipment funding arrive?

Funding can arrive in as little as 24 hours for qualified businesses once the review is complete and you accept the offer.

What do I need to apply?

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

Will applying hurt my credit?

We start with a soft credit pull, so checking your options does not affect your score.

How much equipment can I finance?

We offer funding from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.

Box truck $85,000.00
Forklift $38,000.00
Pallet racking $27,500.00
Dock levelers $46,000.00

Example uses for illustration only.

How to improve your chances

A few steps can make your equipment request stronger.

  • Keep shipper payments flowing into one business account
  • Have a quote or invoice for the equipment ready
  • List current obligations coming out of the account
  • Pick a payment you can cover in your slowest month

Equipment financing with us vs. a typical bank

Merchant Fund Express
Traditional bank loans
Application
5 minutes
Long forms and meetings
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Often higher score expected
Speed
As little as 24 hours if qualified
Weeks is common
Credit check to start
Soft pull
Hard pull is typical

Ready to add equipment to your fleet?

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

Apply for Funding
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