Replace a failed unit or add capacity without a long bank process. Bank statements, a soft credit pull to start, and funding in as little as 24 hours for qualified businesses.
Get My OfferMinnesota Equipment Financing
From plows to kitchen lines to shop machinery, we finance the equipment that keeps your revenue moving. Amounts are based mainly on your deposits and current obligations.
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 bank statements. No tax returns, and funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. We weigh deposit consistency and existing obligations alongside your score.
Your offer lists the full repayment amount before you accept, so there are no surprise costs after you sign.
The repayment schedule is laid out in the offer up front, which helps when your busy season is only part of the year.
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.
Minnesota runs hard on its machines. Plows and skid steers keep lots clear from November into spring, refrigeration units hold product for grocers and food processors, and manufacturers around the Twin Cities depend on presses, CNC equipment and packaging lines that cannot sit idle. When one of those assets fails or a new contract needs more capacity, waiting on a long bank review costs real money.
Merchant Fund Express offers equipment financing from $25,000 to $5,000,000 for established businesses with steady deposits. We look at how your business actually performs through its bank account rather than asking for years of tax returns.
The 5-minute application starts with a soft credit pull, so checking your options does not set off a hard inquiry at the outset. We then review about three months of business bank statements. FICO scores of 500 and up are considered, and sole proprietors can apply.
We focus on deposit consistency and what you already owe. A business with even monthly deposits and modest existing payments usually has more room than one already carrying several obligations.
Plenty of Minnesota businesses earn most of their revenue in one part of the year. Lake country resorts and outfitters are busiest in summer, while snow removal companies peak in winter. We look at your deposit pattern over the statements you send so the repayment schedule in your offer reflects how money really comes in. You see that schedule, and the full repayment amount, before you accept anything.
If you need cash for more than the machine itself, such as installation labor or extra inventory, working capital in Minnesota may be a better fit, or a combination of both.
A bank equipment loan can work well if you have time, strong credit and complete financial statements. Our approach is built for owners who need a decision quickly and would rather show bank statements than assemble a full underwriting package. Weigh the total cost in each offer against what the equipment will earn or save you, and choose the option you can carry comfortably.
No. We review about three months of business bank statements and a short application. Tax returns are not required.
Tell us about the equipment and its role in your business when you apply. We review each request on its own facts, including how the asset supports your revenue.
Funding can arrive in as little as 24 hours for qualified businesses once your file is reviewed and you accept an offer.
Yes. Seasonal deposits are common in Minnesota. We look at your actual deposit pattern rather than expecting identical months.
FICO scores of 500 and up are considered. Credit is one factor alongside deposits and existing obligations.
Example uses for illustration only.
A few steps can strengthen your equipment request before you apply.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding