Finance machinery, vehicles, plows and kitchen gear without draining cash. Soft pull to start, FICO 500+ considered, no tax returns.
Finance ItMassachusetts Equipment Financing
When a machine fails or orders outgrow capacity, waiting costs money. We finance equipment for established Massachusetts businesses based on 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.
Five-minute application, about three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Your deposits and cash flow matter a great deal.
The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the offer up front, so you can match it to 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.
In Massachusetts, equipment ranges from CNC machines in precision shops along Route 128 to ovens in Boston bakeries, boats and freezers in New Bedford's fishing businesses, and plows that keep commercial lots clear all winter. When a machine fails or demand outgrows your capacity, buying outright can tie up cash you need for payroll and materials.
Equipment financing from Merchant Fund Express spreads the cost so the equipment can earn while you pay for it.
Complete our 5-minute application. We start with a soft credit pull and review about three months of business bank statements. We do not ask for tax returns. FICO 500+ is considered, and sole proprietors can apply. A quote from your equipment seller helps us size the offer.
Your offer shows the full repayment amount and the repayment schedule before you accept. Qualified businesses can be funded in as little as 24 hours.
We look at the equipment cost along with your deposits and existing obligations. Steady deposits and modest current payments support larger amounts, within our range of $25,000 to $5,000,000. If you also need cash for installation, training or new staff, working capital in Massachusetts can cover those costs.
Before financing, ask what the equipment changes in your numbers. A second CNC machine may let you accept orders you are turning away. A new plow may let you take on more winter contracts. When equipment clearly adds revenue or cuts costly downtime, repayment is easier to plan.
Many Massachusetts businesses do best buying equipment ahead of their busy season rather than in the middle of it. A landscaper wants new mowers before spring, a plow contractor wants trucks ready before the first storm, and a Cape Cod ice cream shop wants freezers in place before Memorial Day. Applying a few weeks early leaves time to compare quotes, review your offer carefully, and have the equipment installed and working when demand arrives. Since decisions move fast, you do not need to start months ahead, but a little lead time helps.
Yes. Apply ahead of the season and include a quote. We review the purchase along with your deposit history.
Each offer is based on your file. Your offer shows the full repayment amount and schedule before you accept.
Tell us about the equipment when you apply, and we will review it along with the rest of your file.
FICO scores of 500 and up are considered.
Decisions move fast, and qualified businesses can be funded in as little as 24 hours.
Example uses for illustration only.
Preparation makes an equipment request quicker to review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding