Get the excavator, oven, truck or cooler working now. Equipment financing for established Idaho businesses with steady deposits.
Finance EquipmentIdaho Equipment Financing
Idaho builders, food businesses and shops finance new or used equipment without a stack of tax returns. Funding in as little as 24 hours for qualified businesses.
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.
Apply in about 5 minutes with roughly three months of statements. Funding in as little as 24 hours if qualified.
FICO 500+ considered. We look at how the business is running, not just a score.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
Your payment schedule is laid out up front so you can match it to the revenue the equipment brings in.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Across Idaho, the equipment is the business. Excavators on new subdivisions around Meridian, refrigeration in a Rexburg grocery, a commercial oven in a Boise bakery, a skid steer for a landscaper in Coeur d'Alene. When something breaks or you need more capacity, waiting months for a bank decision means lost jobs.
Merchant Fund Express offers equipment financing so you can get the machine working and pay for it over time under a schedule shown in your offer.
New or used, from a dealer or a private seller, tell us what you are buying and we will look at the deal.
We focus on how your business is performing. About three months of business bank statements show us your deposit pattern and current obligations. FICO scores of 500 and up are considered, and the 5-minute application begins with a soft credit pull. No tax returns are required, and sole proprietors can apply.
Amounts range from $25,000 to $5,000,000. The amount is driven mainly by your deposits and existing financing, along with the equipment you plan to buy.
Before financing, think through how the equipment pays for itself. A second excavator might let you take two jobs at once. A larger walk-in might cut food waste and let you buy in bulk. A new lift might add a bay's worth of repair work. If you can tie the purchase to new revenue or saved costs, it is easier to judge whether the repayment schedule in your offer makes sense for your business.
Your offer lays out the full repayment amount and the repayment schedule before you accept. Read it next to the quote from your vendor. If the timing of payments needs to fit a seasonal business, raise it during the review.
Need cash for something other than the machine itself, like installation labor or training? Pair it with working capital in Idaho, or keep a line of credit on hand for future repairs.
Yes. Share the details and the seller's quote and we will review it alongside your bank statements.
Qualified businesses can be funded in as little as 24 hours after approval and signing.
It depends on your file and the purchase. Any requirement will be stated clearly in your offer.
FICO 500 and up is considered. Deposits and current obligations matter a great deal.
No. We work from about three months of business bank statements.
Yes. Sole proprietors can apply for equipment financing.
Example uses for illustration only.
A cleaner request usually means a smoother review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding