Merchant Fund Express
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Equipment Financing in New York

Finance machines, vehicles and kitchen gear from $25,000 to $5,000,000. Soft pull to start, no tax returns, about three months of statements.

Finance My Equipment

Equipment Financing, New York

Put new equipment to work without draining cash

Spread the cost of the tools your New York business depends on. We review your deposits, then show the full repayment amount and schedule before you accept.

As fast as
24 hours

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.

Equipment funding built for operators

Simple, quick process

Apply in about five minutes with recent statements and your quote. Funding in as little as 24 hours for qualified businesses.

Flexible on credit

FICO 500+ considered. Business performance weighs heavily in the decision.

Know the full cost

The total repayment amount is in your offer before you accept. No surprise costs after you sign.

Set payment plan

Your payment schedule is laid out in the offer from day one.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Buy the equipment that keeps you earning

A commercial oven for a Queens bakery, a skid steer for a contractor in the Hudson Valley, a CNC machine for a shop outside Buffalo, a refrigerated van for a Long Island distributor. Equipment is often the difference between turning work away and taking it on. Equipment financing spreads the cost so you are not draining operating cash to make the purchase.

What can be financed

New and used equipment can both be considered. Share the quote or invoice with your application so we can match funding to the purchase.

How the review works

We look at about three months of business bank statements to understand your deposits and existing obligations. We consider FICO scores of 500 and up, begin with a soft credit pull and do not require tax returns. Sole proprietors can apply. Funding ranges from $25,000 to $5,000,000.

Planning around New York seasons

Construction and landscaping slow when winter sets in across much of the state, while tourism businesses in the Catskills or on the coast build up through summer. Buying equipment ahead of your busy months gives it time to pay for itself. Your offer lays out the payment schedule so you can see how it lines up with your calendar.

An example, for illustration

A Long Island bakery with steady daily deposits wants a second deck oven so it can take wholesale orders from local cafes. Instead of spending the cash it uses for flour, butter and payroll, the owner finances the oven and starts filling the new orders right away. The offer lays out the total repayment and the payment schedule before signing. This example is for illustration only. What you can finance depends mainly on your deposits and existing obligations, and on the equipment itself.

Other ways to fund a purchase

If the purchase is small or mixed with other costs, working capital in New York or a business line of credit may be more flexible. When you are ready, start the five-minute application.

Frequently Asked Questions

Can I finance used equipment in New York?

Yes. Both new and used equipment can be considered. Include the seller's quote with your application.

What credit score do I need?

We consider FICO scores of 500 and up. Your deposits and current obligations matter a great deal too.

Do I need tax returns?

No. We work from about three months of business bank statements.

How fast can I get the equipment funded?

Decisions move quickly, and funding can arrive in as little as 24 hours for qualified businesses.

How much equipment financing is available?

From $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.

Can I combine equipment with other costs?

If you need installation, training or extra working capital alongside the purchase, tell us in your application. A line of credit or working capital may cover the mix better than equipment financing alone.

Commercial oven $42,000.00
Skid steer $68,000.00
Delivery van $55,000.00
CNC machine $175,000.00

Example uses for illustration only.

How to improve your chances

Bring these to make the review smoother.

  • Get a written quote from the seller
  • Have three months of business statements ready
  • Know how the equipment will add revenue
  • Keep business deposits in a single account

Equipment financing with us vs. a bank

Merchant Fund Express
Traditional bank loans
Documents
Statements plus equipment quote
Tax returns, financials, quote
Credit range
FICO 500+ considered
Typically higher scores
Credit check to start
Soft pull
Hard pull common
Speed
As little as 24 hours if qualified
Several weeks common
Payment schedule
Laid out in your offer
Set by bank policy

Get the equipment your New York business needs

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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