Get the truck, oven, chair or machine you need without draining reserves. Soft credit pull to start and no tax returns required.
Finance EquipmentMaryland Equipment Financing
Breakdowns and new contracts rarely wait for a convenient time. We finance equipment for established Maryland businesses based mainly on their deposit history.
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.
Short online application, about three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, with deposits and cash flow weighed heavily.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is in your offer up front, so you can plan it against the revenue the equipment adds.
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.
When a key machine breaks or a new contract needs more capacity, waiting can cost more than the equipment itself. A Hagerstown distribution business needing another forklift, a Columbia dental office upgrading imaging, or a Chesapeake seafood processor replacing a cooler all face the same choice: drain cash reserves or finance the purchase.
Equipment financing from Merchant Fund Express lets you spread the cost while the equipment goes to work.
Begin with our 5-minute application. We run a soft credit pull to start and look at about three months of business bank statements. No tax returns are required. FICO 500+ is considered, and sole proprietors can apply.
Having a quote or invoice for the equipment helps us move faster. Your offer shows the full repayment amount and schedule before you accept, and qualified businesses can be funded in as little as 24 hours.
We look at the cost of the equipment alongside your deposits and existing obligations. Steady deposits and manageable current payments support larger amounts. Our funding ranges from $25,000 to $5,000,000, but the right figure is what your cash flow can carry comfortably.
If you also need cash for installation, training or the extra staff the new equipment requires, working capital in Maryland can cover costs that are not the equipment itself.
Before you finance a purchase, estimate what it changes. Will a second oven let you take more catering orders? Will a newer truck cut repair downtime? Equipment that adds revenue or removes costly breakdowns tends to justify itself. Equipment bought for appearance alone is harder to repay.
Not every equipment decision is the same. Replacing a failed machine protects revenue you already have, so timing matters most. Adding capacity, like a second delivery truck for a Baltimore County bakery, is about growth, so it pays to confirm the demand is real first. Upgrading older gear often lowers repair bills and downtime. Knowing which of these you are doing helps you choose the right amount and explain the request clearly when you apply. Whatever the reason, your offer shows the full repayment amount and schedule before you commit, so you can compare it against the value the equipment brings.
Tell us about the equipment when you apply. We review the purchase together with your deposits and the rest of your file.
It is not required to start, but a quote or invoice helps us size the offer and move faster.
FICO scores of 500 and up are considered. Deposits and cash flow carry significant weight.
No. We work from about three months of business bank statements.
Yes. Sole proprietors can apply.
Example uses for illustration only.
A little preparation helps an equipment request move faster.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding