Merchant Fund Express
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Equipment Financing in Oklahoma for Working Businesses

Finance tractors, trucks, machinery and tools for your Oklahoma business. About three months of bank statements and a 5-minute application.

Finance My Equipment

Oklahoma Equipment Financing

Keep cash on hand while new equipment earns its keep

From ranches to oilfield service yards, Oklahoma businesses depend on equipment. Financing spreads the cost on a schedule set out in your offer.

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 finance equipment with us

Quick, low-paperwork process

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

Not just a credit score

FICO 500+ considered. We start with a soft pull and focus on how your business runs.

Full cost shown up front

Your offer lists the full repayment amount before you accept. No surprise costs after you sign.

Payments you can forecast

The repayment schedule is in your offer, so you can match payments to the work the equipment brings in.

Payroll before sales come in?

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.

The equipment behind Oklahoma's economy

Walk through almost any Oklahoma business and you will find equipment doing the heavy lifting. Tractors and balers on cattle and wheat operations. Pumps, trailers and service rigs supporting the energy sector. Excavators and dump trucks for builders around Oklahoma City and Tulsa. Ovens and fryers in restaurants. Lifts and diagnostic tools in auto shops.

Equipment financing lets you get the machine working for you now, without draining your cash reserves. We fund from $25,000 to $5,000,000.

How the process works

We keep it straightforward:

  1. Apply. The application takes about five minutes.
  2. Share statements. About three months of business bank statements. No tax returns required.
  3. Soft pull. We start with a soft credit pull. FICO 500+ is considered.
  4. Review your offer. It shows the full repayment amount and the repayment schedule before you accept.

Funding can arrive in as little as 24 hours for qualified businesses.

Who this is for

We work with established businesses that show steady deposits, including sole proprietors. Common examples in Oklahoma include:

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

Thinking through the purchase

Before you finance, add up the true cost of getting the equipment working: transport to your yard or farm, setup, any attachments, and training for whoever will run it. In agriculture and energy services, timing matters too. A baler that arrives after the hay is cut or a pump that shows up after a contract starts does not help much. Plan the purchase around when the equipment needs to be earning.

For illustration, an owner replacing an aging tractor might compare the repair bills and downtime on the old one against the payment schedule on the new one. Seeing those numbers side by side makes the decision clearer.

Other ways to cover equipment-related costs

Installation, operator training and extra supplies sometimes fall outside an equipment purchase. Working capital in Oklahoma can cover those. If you expect several smaller purchases over time, a business line of credit may work better. Need something quickly after a breakdown? See fast funding in Oklahoma.

When you are ready to move forward, start your application.

Frequently Asked Questions

What equipment can I finance in Oklahoma?

Farm equipment, construction machinery, energy service equipment, commercial kitchen gear, medical equipment and vehicles for local or regional work are common examples.

How much can I finance?

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

Do I need tax returns?

No. We review about three months of business bank statements.

Can I apply with fair or poor credit?

FICO 500+ is considered. We start with a soft credit pull and weigh your deposit history heavily.

Do you finance long-haul trucks?

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

Tractor $140,000.00
Excavator $210,000.00
Service Trailer $48,000.00
Shop Lift $29,000.00

Example uses for illustration only.

How to improve your chances

Preparing these items can help your equipment financing request.

  • Get a quote or listing for the equipment
  • Keep business deposits in one account
  • Avoid new obligations just before applying
  • Be ready to explain how the equipment adds revenue

Our equipment financing vs. a typical bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Long forms
Documents
About 3 months of bank statements
Tax returns and financials
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours if qualified
Weeks
First credit check
Soft pull
Hard inquiry

Get your Oklahoma business the right equipment

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

Apply for Funding
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