Merchant Fund Express
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Equipment Financing in Maine

Boats, trucks, machines and kitchens. Fund the gear your Maine business runs on, from $25,000 to $5,000,000. FICO 500+ considered.

Finance My Equipment

Maine Equipment Financing

Get the right equipment working before the season starts

Keep your cash for payroll and fuel. Your offer shows the full repayment amount and schedule before you accept.

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.

Equipment financing built for Maine

Fast, light paperwork

5-minute application and three months of statements. Qualified businesses can be funded in as little as 24 hours.

Credit flexibility

FICO 500 and up is considered. Your deposits and obligations matter too.

Upfront costs

The full repayment amount appears in your offer before you accept. No surprise costs after you sign.

A schedule you can plan for

Repayment is laid out in your offer, so you can check it against slow months.

Waiting on deposits to land?

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.

Gear for a working state

Maine runs on equipment that takes a beating. Fishing and lobstering operations need engines, haulers and electronics. Forestry and logging crews depend on skidders and trucks. Builders and excavators wear through machines every season, and restaurants and breweries need reliable kitchens and tanks. Salt air, cold winters and long hours shorten the life of almost everything.

Our equipment financing helps established Maine businesses with steady deposits buy what they need without emptying their operating account.

Simple process

  1. Complete the 5-minute application.
  2. Upload about three months of business bank statements.
  3. We run a soft credit pull to start.
  4. Review an offer that shows the full repayment amount and schedule.
  5. Accept, and qualified businesses can be funded in as little as 24 hours.

FICO 500 and up is considered. No tax returns are required, and sole proprietors can apply.

Buying ahead of the season

Timing matters in Maine. A boat that is not ready by spring misses weeks of income, and a plow truck bought in December is late. We suggest starting your request well before the equipment has to be working. That gives you time to compare quotes, review your offer calmly, and line up delivery and installation. Your offer lays out the repayment schedule in advance, so you can see how it sits against your slow months before you commit.

New, used or repaired

Not every purchase needs to be new. A used unit with a solid service record or a major rebuild of a machine you already own can be a sensible choice. Whatever you choose, bring a written quote or invoice. It helps us understand the request and size funding to what your deposits and existing obligations can support. For illustration, an owner replacing a worn outboard and adding new electronics would bring both quotes together so the full project is covered in one request rather than two.

Other Maine options

If you also need cash for installation, training or materials, working capital in Maine may help. For ongoing smaller costs, consider a business line of credit in Maine. Start your application when you are ready.

Frequently Asked Questions

What equipment can I finance in Maine?

Common requests include marine engines and haulers, trucks and trailers, logging and construction machinery, kitchen equipment and brewery tanks.

Can I finance used equipment?

Yes, tell us about the unit and bring a written quote. We review the request alongside your deposits.

What credit score is considered?

FICO 500 and up is considered, together with your deposits and existing obligations.

How long does it take to get funded?

Decisions move quickly, and qualified businesses can be funded in as little as 24 hours.

Do I need tax returns or financial statements?

No tax returns are required. About three months of business bank statements are enough to start.

Should I finance equipment or pay cash?

It depends on your reserves. Many Maine owners prefer to keep cash on hand for fuel, payroll and slow months, and finance the equipment instead. Compare the full repayment amount in your offer with what keeping that cash available is worth to you before deciding.

Outboard engine $35,000.00
Plow truck $70,000.00
Skid steer $58,000.00
Brewing tanks $95,000.00

Example uses for illustration only.

How to improve your chances

Bring these to make your equipment request clear.

  • Get a written quote or invoice for each item
  • Start the request before the season begins
  • Keep business deposits in one account
  • List existing loans and advances

Equipment funding: us vs. a bank

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

Get your Maine equipment funded

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

Apply for Funding
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