Replace a broken machine or add capacity for new work. Missouri businesses can apply in about 5 minutes with a soft credit pull to start.
Finance My EquipmentMissouri Equipment Financing
From shop floors in St. Louis to job sites in the Ozarks, equipment drives revenue. Financing keeps your cash free for payroll and materials.
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.
About 5 minutes to apply and roughly three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. We give real weight to steady deposits.
See exactly what you will repay before accepting. No surprise costs after you sign.
Your offer lays out the schedule, so you can match payments to the revenue the equipment brings in.
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.
Missouri has a broad mix of businesses that live and die by their equipment. Manufacturers and auto suppliers around St. Louis and Kansas City run presses and welding cells. Contractors across the Ozarks rely on excavators and skid steers. Food businesses need ovens, walk-in coolers and delivery vans. When a key machine breaks or a new job requires more capacity, the cost hits all at once.
Merchant Fund Express provides equipment financing from $25,000 to $5,000,000 for established businesses with steady deposits, so you can spread the cost instead of draining your operating account.
| Business | Equipment |
|---|---|
| Contractor | Excavator, trailer, compact track loader |
| Restaurant | Hood system, fryers, walk-in cooler |
| Machine shop | CNC mill, lathe, inspection tools |
| Medical or dental office | Imaging and treatment equipment |
| Landscaper | Mowers, trucks, snow equipment |
You can start with the 5-minute application. We run a soft credit pull to begin and review about three months of business bank statements. No tax returns are required. FICO 500+ is considered, and sole proprietors can apply.
We pay close attention to deposit consistency and to the payments you already carry. A clean, steady account generally supports a larger amount than an account stretched thin by existing obligations.
Your offer shows the full repayment amount and the repayment schedule before you accept. No surprise costs appear after you sign. That lets you compare the cost of the equipment against the revenue it should bring in, whether that is a second production shift or a bigger crew for spring.
Timing matters as much as the machine. A landscaper who buys a new mower fleet in March puts it to work right away, while one who buys in November may wait months for it to pay back. Agriculture-linked businesses follow planting and harvest, and lake-area tourism businesses are busiest in summer. We review your deposit history across the statements you send, so the offer reflects when money actually comes into your account rather than an average that hides the slow months.
If your slow season is coming, say so in the application. It helps us read your statements accurately.
New equipment often comes with extra costs: installation, training, materials for the job that justified the purchase. If you need cash beyond the machine itself, look at working capital in Missouri. For ongoing small purchases, a Missouri business line of credit can be more flexible.
Tell us about the equipment in your application. We review each request based on your business and its deposits.
Amounts range from $25,000 to $5,000,000, driven mainly by your deposits and existing obligations.
No. FICO scores of 500 and up are considered.
Decisions move quickly, and qualified businesses can be funded in as little as 24 hours.
About three months of business bank statements. No tax returns.
Example uses for illustration only.
Before applying, these steps can make your equipment request stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding