Merchant Fund Express
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Equipment Financing in Ohio Without the Bank Runaround

Finance machinery, vehicles and tools for your Ohio business. A 5-minute application, about three months of bank statements and no tax returns.

Finance Equipment

Ohio Equipment Financing

Put new equipment to work while keeping cash in reserve

From shop floors in Dayton to farms in the northwest, Ohio businesses run on equipment. Financing spreads the cost so your reserves stay intact.

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.

Why Ohio owners finance with us

Short application, quick answers

About 5 minutes to apply and three months of bank statements to review. Funding in as little as 24 hours for qualified businesses.

Room for imperfect credit

FICO 500+ considered. We start with a soft credit pull and look at how your business performs.

Total cost shown before you sign

Your offer lists the full repayment amount up front. No surprise costs after you sign.

A payment plan laid out in advance

Your repayment schedule is in the offer, so you can match it to the revenue the equipment brings in.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

Apply Now

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.

Equipment is how Ohio businesses grow

Ohio has deep roots in manufacturing, agriculture, healthcare and logistics. In nearly every one of those fields, growth comes down to equipment: a new CNC machine, a second delivery van, an upgraded imaging unit, a walk-in freezer, a skid steer. Buying with cash drains the reserves you need for payroll and slow months.

Equipment financing lets you put the machine to work now and pay for it on a schedule laid out in your offer. We fund from $25,000 to $5,000,000 depending on your business.

Who we work with

We work with established Ohio businesses that show steady deposits. That covers a lot of ground:

Sole proprietors can apply, and FICO 500+ is considered. Long-haul trucking operations are outside what we can commit to fund, so if that is your business, reach out before you apply.

What you need to apply

The paperwork is short. Most owners finish the application in about five minutes.

We start with a soft credit pull. Funding can arrive in as little as 24 hours for qualified businesses, which helps when a seller will not hold a used machine for long.

New or used, plan for the full cost of ownership

The sticker price is only part of what a machine costs. Before you finance, think through delivery, rigging or installation, any electrical or ventilation work, operator training, and the time it takes before the equipment is earning. A press that sits idle for a month while a shop floor is rewired still has to be paid for.

It also helps to be realistic about how quickly the equipment adds revenue. Owners who can explain that clearly, such as a new line that lets them take on a specific customer, tend to have an easier conversation about amount and schedule.

Matching the right product to the purchase

Not every equipment-related cost fits equipment financing. Installation, training, and the extra materials you need to run a new line may be better covered by working capital in Ohio. If you expect a string of smaller purchases over the year, a line of credit can be more practical.

Whatever you choose, your offer shows the full repayment amount and schedule before you accept. Read it closely, then apply when you are ready.

Frequently Asked Questions

What types of equipment can Ohio businesses finance?

Common examples include manufacturing machinery, construction equipment, commercial kitchen equipment, medical devices, farm equipment and vehicles for local or regional work.

Do I need a down payment?

Every situation is different. The details of what is required will be in your offer before you accept anything.

Can I finance used equipment?

Owners often ask about used equipment. Share the details in your application and we will review it along with your bank statements.

How much can I finance?

We provide $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.

Do you fund trucking companies?

We work with regional and local carriers. We cannot promise funding for long-haul trucking operations.

CNC Machine $180,000.00
Skid Steer $65,000.00
Walk-In Freezer $38,000.00
Box Truck $90,000.00

Example uses for illustration only.

How to improve your chances

Before you apply, a little preparation can make the equipment review smoother.

  • Get a written quote or listing for the equipment
  • Keep your business deposits in one account
  • Avoid new obligations right before you apply
  • Know how the equipment will add revenue

Our equipment financing vs. a typical bank

Merchant Fund Express
Traditional bank loans
Application time
About 5 minutes
Hours of forms
Documents
3 months of bank statements
Tax returns and financials
Credit
FICO 500+ considered
Strong credit usually expected
Speed
As little as 24 hours if qualified
Several weeks
Sole proprietors
Can apply
Often harder to approve

Get the equipment your Ohio business needs

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

Apply for Funding
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