Replace or add the machines, vehicles and kitchen gear your business runs on. $25,000 to $5,000,000, no tax returns required.
Finance My EquipmentMichigan Equipment Financing
Michigan shops, crews and kitchens wear equipment hard. Financing spreads the cost, keeps reserves in the bank, and is reviewed on about three months of business bank statements.
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.
A 5-minute application and about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, with your deposits and history weighed alongside it.
Your offer shows the total repayment amount before you accept. No surprise costs after signing.
The repayment schedule is laid out in your offer up front.
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 Michigan, equipment is often the business. A CNC machine in a Macomb County shop, a skid steer for an excavation crew outside Grand Rapids, a walk-in cooler for a Dearborn restaurant, a refrigerated van for a food distributor in Lansing. When a key piece of equipment wears out or a new contract calls for more capacity, waiting months for a bank decision can cost you the work.
Equipment financing from Merchant Fund Express helps established businesses buy or replace the equipment they rely on, with funding from $25,000 to $5,000,000.
Winter is hard on machinery here. Many owners plan replacements for the slower months so new equipment is ready when spring work starts.
We look at the business behind the purchase. That means about three months of business bank statements, your existing obligations, and your credit, with FICO scores of 500 and up considered. No tax returns are required, and we start with a soft credit pull. Sole proprietors can apply.
It helps to have a quote or invoice for the equipment, so the amount you request matches what you actually need. If the purchase includes delivery, installation or training, mention it so the request reflects the full cost of getting the equipment running.
Paying cash for a big machine can drain the reserves you need for payroll and materials. Financing spreads the cost so your working cash stays available. If you also need cash for operations alongside the purchase, compare working capital in Michigan.
Your offer shows the full repayment amount and the repayment schedule before you accept, so you can weigh it against the revenue the equipment will bring in.
Start the 5-minute application. Funding can arrive in as little as 24 hours for qualified businesses once you accept an offer.
Most business equipment used to generate revenue: machinery, construction equipment, kitchen equipment, work vehicles for local routes, medical equipment and more.
Tell us about the equipment and its seller in your application. We review each request on its details, and a quote or invoice helps.
No. We review about three months of business bank statements.
FICO scores of 500 and up are considered. Deposits and existing obligations are weighed alongside your score.
Funding can arrive in as little as 24 hours for qualified businesses after you accept your offer, so you can move on the purchase quickly.
If the money is going into a specific machine or vehicle, equipment financing keeps the purchase separate. If you need cash for several operating costs, working capital is usually simpler.
Example uses for illustration only.
These steps make an equipment request easier to approve.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding