Merchant Fund Express
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Equipment Financing in Oregon

Get the trucks, machines, and tools your Oregon business needs without draining cash. Apply in about 5 minutes with no tax returns.

Finance Equipment

Equipment Financing, Oregon

Put the equipment to work before the season starts

Excavators in Bend, ovens in Portland, vineyard gear in the Willamette Valley. Financing spreads the cost so you keep cash for operations.

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 Oregon businesses finance with us

Quick and paperwork-light

About 5 minutes to apply and around three months of statements. Qualified businesses can be funded in as little as 24 hours.

Flexible on credit

FICO 500+ considered. We weigh how the business performs, not only the score.

Full cost before signing

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

A set repayment plan

Payment timing is laid out in your offer up front, so budgeting is straightforward.

Cash flow tight this month?

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 brings in revenue

Equipment is often the difference between turning work away and taking it on. Equipment financing lets an Oregon business get the asset now and pay it off over time, instead of draining cash reserves in one go.

We see requests from all over the state: a skid steer for a Bend excavation crew, a new oven line for a Portland bakery, a refrigerated van for a Willamette Valley produce distributor, or a CNC machine for a fabrication shop.

What can be financed

Share a quote or a description of what you plan to buy and we'll help match the funding to it.

How approval works

We review about three months of business bank statements to see how deposits flow and what you already owe. We consider FICO scores of 500 and up, start with a soft credit pull, and do not require tax returns. Sole proprietors can apply. Funding ranges from $25,000 to $5,000,000.

Equipment financing compared with paying cash

Paying cash for equipment avoids repayment, but it can leave the business thin when a slow month arrives. Financing spreads the cost while the equipment starts earning. For many Oregon owners the question is simple: will the new machine, truck, or oven bring in more than the repayment costs each month? If the answer is yes, financing keeps reserves in place for payroll, repairs, and the unexpected. Your offer shows the full repayment amount so you can run that math before you accept.

Timing purchases around Oregon seasons

Many Oregon trades plan purchases around the weather. Builders and landscapers west of the Cascades often prepare in late winter so equipment is ready when the rain eases. Farms and vineyards buy ahead of planting or harvest. Applying ahead of the busy season gives you time to compare quotes and review your offer.

If you need cash for operating costs rather than an asset, look at working capital in Oregon. Otherwise, apply for equipment financing.

Frequently Asked Questions

What equipment can I finance in Oregon?

Most business equipment that helps you earn revenue, including vehicles, machinery, kitchen gear, and medical or farm equipment.

Do I need a vendor quote?

A quote helps us match funding to the purchase, but you can start the application before you have one.

Can I apply with fair credit?

We consider FICO scores of 500 and up. Your deposits and existing obligations are weighed alongside your score.

Can I finance used equipment?

Tell us about the equipment, new or used, and we'll review whether it fits.

How quickly can I get funded?

Qualified businesses can be funded in as little as 24 hours after approval and signing.

Can I finance more than one piece of equipment?

Tell us everything you plan to buy. We review the request against your deposits and existing obligations to see what the business can support.

Skid steer $68,000.00
Oven line $85,000.00
Refrigerated van $72,000.00
CNC machine $150,000.00

Example uses for illustration only.

How to improve your chances

These steps tend to make an equipment request go smoother.

  • Get a written quote from the vendor
  • Show how the equipment adds revenue
  • Keep the business account positive
  • Have recent bank statements ready

Equipment financing with us vs. a bank

Merchant Fund Express
Traditional bank loans
Documents
About 3 months of statements
Tax returns, financials
Credit
FICO 500+ considered
Higher scores expected
Credit check to start
Soft pull
Hard pull common
Application
About 5 minutes
Long applications
Speed
As little as 24 hours if qualified
Several weeks typical

Get your Oregon equipment funded

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

Apply for Funding
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