Replace worn equipment or add capacity before your busy season. Montana businesses can apply in about 5 minutes with a soft credit pull to start.
Finance EquipmentMontana Equipment Financing
Short building seasons and long distances mean downtime costs more in Montana. Financing lets you replace or add equipment while keeping cash on hand.
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. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. Steady deposits carry real weight in our review.
Your offer states what you will repay before you accept. No surprise costs after you sign.
The repayment schedule is laid out in your offer so you can match it to your busy months.
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.
Equipment in Montana works hard. Contractors run loaders and dump trucks through short building seasons. Ranch supply and ag service businesses depend on trailers, sprayers and shop tools. Restaurants and breweries in tourist towns need kitchens that can handle summer volume. And a breakdown far from a dealer can mean days of downtime.
Merchant Fund Express offers equipment financing from $25,000 to $5,000,000 for established Montana businesses with steady deposits, so you can replace or add equipment without emptying your operating account.
| Industry | Example equipment |
|---|---|
| Construction and excavation | Loaders, dump trucks, trailers |
| Ag services | Sprayers, shop equipment, service trucks |
| Food and beverage | Brewing systems, ovens, refrigeration |
| Recreation and lodging | Rental fleets, laundry, snow equipment |
| Healthcare | Diagnostic and treatment equipment |
Begin with the 5-minute application, which starts with a soft credit pull. We review about three months of business bank statements. No tax returns are required. FICO scores of 500 and up are considered, and sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours.
Your deposits and existing obligations shape the amount most. Steady deposits with limited existing payments usually support more room than an account already carrying several obligations.
In a state with short building seasons and long winters, when you buy matters. A contractor who adds a loader in April can put it to work right away. A ski-town rental shop may need new gear in the fall, months before peak revenue. We review your deposit pattern across your statements, and your offer lays out the repayment schedule up front so you can see how it lines up with the months the equipment earns.
For illustration: a Kalispell excavation company replacing a worn trailer before spring might weigh the repayment schedule in its offer against the work it already has booked for the season.
Before applying, get a written quote from the dealer or seller. A clear price and description of the equipment makes the review faster and keeps the amount matched to the real cost.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign. If you also need cash for installation, training or job materials, working capital in Montana can cover the rest. For repeated smaller purchases, consider a Montana business line of credit.
Tell us what you need in your application. Common requests include trucks, trailers, heavy equipment, kitchen gear and medical equipment. A written quote helps us move faster.
From $25,000 to $5,000,000, depending mainly on 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.
Seasonal businesses can apply. Share your calendar so we can review your statements in context.
Example uses for illustration only.
These steps can strengthen your equipment financing request.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding