Merchant Fund Express
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Equipment Financing in Indiana for Shops and Fleets

Finance mills, forklifts, ovens, and heavy equipment across Indiana. $25,000 to $5,000,000, bank statements only, FICO 500+ considered.

Finance My Equipment

Indiana Equipment Financing

Keep production moving with the right machine

Indiana fabricators, contractors, and kitchens rely on equipment to earn. We size financing to your real deposits so the payment fits.

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.

What Indiana owners can expect

Fast, light process

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

Credit flexibility

FICO 500+ considered. Deposits and existing obligations weigh in alongside your score.

Clear total cost

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

Payment schedule up front

The repayment schedule is laid out in your offer before you commit.

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.

Indiana builds things

From RV and component plants in the north to metal fabricators, machine shops, and food processors spread across the state, Indiana has a deep bench of businesses that live or die by their equipment. Add the farm service operations, excavators, and restaurant kitchens, and you have a state where a broken machine can stall a whole week of revenue.

We offer equipment financing from $25,000 up to $5,000,000 for established Indiana businesses with steady deposits.

Typical purchases

How an Indiana file moves

Begin with our 5-minute application, which uses a soft credit pull. We review about three months of business bank statements. No tax returns are needed, FICO 500+ is considered, and sole proprietors can apply. Your offer lays out the full repayment amount and repayment schedule before you accept, and funding can arrive in as little as 24 hours for qualified businesses.

A worked example, for illustration

For illustration, picture a three-person machine shop near Kokomo. A long-time customer offers a bigger monthly order, but the shop's old mill cannot keep up. The owner gets a quote on a newer machine, applies with three months of statements, and reviews an offer sized to the shop's deposits. The added work from that customer covers the payments on the schedule shown in the offer. Your figures will differ, but the logic holds: tie the purchase to revenue you can point to.

Questions to settle before you buy

Is the machine new or used, and what is its expected useful life in your shop? Will you need installation, rigging, or electrical work, and are those costs in the quote? Do you need operator training, and how long before the equipment is producing? Answering these up front keeps your request accurate. It also helps you judge whether the payment on the schedule in your offer lines up with when the new equipment will actually start earning.

Equipment or cash?

If you need money for payroll, materials, or a broader operating gap rather than a specific machine, working capital in Indiana may be a better match. Some owners use both: equipment financing for the asset and working capital for the ramp-up around it.

Frequently Asked Questions

Can I finance equipment from a private seller?

Often, yes. Bring a written quote or bill of sale describing the equipment and price.

How much can I finance?

From $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.

What credit score do you consider?

FICO scores of 500 and up are considered.

Do I need financial statements?

No tax returns are required. We start with about three months of business bank statements.

How fast can I get the equipment funded?

Funding can arrive in as little as 24 hours for qualified businesses.

Forklift $35,000.00
Press brake $140,000.00
Excavator $110,000.00
Combi oven $29,000.00

Example uses for illustration only.

How to improve your chances

Prepare these before you apply to keep things moving.

  • Get a written quote for the equipment
  • Show how the machine adds revenue
  • Keep business deposits in one account
  • List current equipment or loan payments

Equipment financing: us vs. a typical bank

Merchant Fund Express
Traditional bank loans
Documents
About 3 months of bank statements
Tax returns and financials
Credit
FICO 500+ considered
Usually strong credit
Speed
As little as 24 hours if qualified
Often weeks
Application
5 minutes
Long underwriting
Sole proprietors
Can apply
Often harder to qualify

Get your Indiana equipment funded

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

Apply for Funding
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