Finance machines, vehicles, and production gear for your Kentucky business. $25,000 to $5,000,000, three months of statements, no tax returns.
Finance EquipmentKentucky Equipment Financing
Shops, farms, contractors, and kitchens across Kentucky depend on equipment. We size financing to your deposits so you can buy or replace it quickly.
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.
Five-minute application and about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, with your deposits weighed alongside your score.
The full repayment amount is in your offer before you accept, with no surprise costs after you sign.
Your repayment schedule is laid out in the offer so you can match it to what the equipment earns.
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.
Look at what keeps Kentucky businesses earning and you find equipment. CNC machines in shops that supply the auto plants. Excavators and dump trucks on road and site jobs. Tractors and hay equipment on farms. Commercial ovens and coolers in restaurants. Stills, tanks, and bottling lines in the craft spirits trade. When one of those breaks or the business outgrows it, waiting months for bank approval costs real revenue.
Merchant Fund Express provides equipment financing from $25,000 to $5,000,000 for established businesses with steady deposits.
Equipment financing ties funding to a specific purchase. It can cover new equipment, quality used equipment, or a replacement for something that failed. Tell us what you are buying and why, and we will build the offer around it.
Start with the 5-minute application, which uses a soft credit pull. Send 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 will show the full repayment amount and the repayment schedule before you accept. Funding can arrive in as little as 24 hours for qualified businesses.
The best equipment deals pay for themselves. Before you apply, sketch out what the machine will add in revenue or save in downtime, and compare that to the repayment schedule. If the purchase is part of a larger need, like hiring and materials alongside the machine, working capital may cover more of the picture. If credit has been rough, our page on bad credit business loans in Kentucky explains how we weigh it.
For illustration, imagine an Owensboro excavation company that keeps renting a second machine at a steep weekly cost because demand outgrew its single excavator. Financing a used machine sized to the company's steady deposits replaces the rental bill and lets two crews work at once. The owner reviews the full repayment amount and schedule in the offer against the rental savings and added jobs before deciding. Your numbers would be based on your own deposits and obligations.
Yes, equipment financing can cover new or used equipment. Tell us what you are buying when you apply.
Having the seller's quote or invoice ready makes the process smoother and helps us size the offer.
FICO 500+ is considered. Deposit history and existing obligations are weighed alongside your score.
We fund from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.
No. We start with about three months of business bank statements.
Example uses for illustration only.
Walk in prepared and the equipment deal goes faster.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding