Replace or add equipment across Illinois with $25,000 to $5,000,000 in financing. Three months of bank statements, no tax returns, FICO 500+ considered.
See My OptionsIllinois Equipment Financing
From Chicago kitchens to downstate farm service shops, we size equipment financing to your real deposits so the payment fits your business.
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.
A 5-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Deposit history and existing obligations matter alongside your score.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in the offer, so you can plan around it before the equipment arrives.
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.
Illinois runs on equipment. Fabrication shops in the Rockford area, food processors around the Chicago suburbs, grain and farm service operations downstate, and restaurants in every neighborhood all depend on gear that wears out or falls behind. When a press brake dies or a walk-in cooler quits, the cost lands now, not when the budget says it should.
Merchant Fund Express offers equipment financing from $25,000 up to $5,000,000 for established Illinois businesses with steady deposits. We look mainly at what moves through your business bank account.
If the need is cash for operations rather than a specific asset, working capital in Illinois may be the better fit.
Our 5-minute application starts with a soft credit pull. We then review about three months of business bank statements. No tax returns are required, FICO scores of 500 and up are considered, and sole proprietors can apply.
Your offer lays out the full repayment amount and the repayment schedule before you accept. Funding can arrive in as little as 24 hours for qualified businesses, which matters when a down machine is costing you orders.
Before you sign anything, ask whether the equipment earns its keep. A new oven that lets a bakery take wholesale accounts, or a second truck that lets a plumber run two crews, tends to pay back in added revenue. A purchase that only replaces something that still works is harder to justify. Get vendor quotes in hand so your request matches the real cost, and factor in delivery, installation, and training time.
Pull together the seller's quote, a short note on how the equipment will be used, and your last three months of business bank statements. If you already pay on other equipment or financing, list it. Having these ready lets us read your file once and respond quickly.
Plenty of Illinois businesses swing with the calendar. Farm service work peaks around planting and harvest, construction slows in the coldest months, and retail leans on the holidays. If your deposits rise and fall, tell us when you apply. We read the pattern, and a schedule that fits your cycle is easier to carry.
Yes, many owners finance used equipment. Have the seller's quote and a description of the item ready when you apply.
No. We review about three months of business bank statements along with the short application.
We start with a soft credit pull, which does not affect your score.
Equipment financing runs from $25,000 to $5,000,000. The amount depends mainly on your deposits and any existing obligations.
Yes. Sole proprietors can apply as long as the business is established with steady deposits.
Example uses for illustration only.
A few steps before you apply can make your equipment request stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding