Merchant Fund Express
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Equipment Financing in South Carolina, Without the Wait

Get the machine, vehicle or kitchen gear your South Carolina business needs. From $25,000, about three months of statements, FICO 500+ considered.

Finance Equipment

South Carolina Equipment Financing

Replace what broke or add what grows the business

Down equipment stalls orders and turns away work. We review your bank activity, not a stack of tax paperwork, so you can move on the purchase sooner.

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 financing built for operators

Light paperwork, quick decisions

A 5-minute application plus three months of statements. Funding in as little as 24 hours for qualified businesses.

Credit flexibility

FICO 500+ considered. We start with a soft credit pull and focus on your deposits.

Total cost shown first

Your offer lists the full repayment amount before you accept, with no surprise costs after signing.

Payments mapped out

The repayment schedule is in the offer up front, so you can weigh it against what the equipment earns.

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.

Equipment is the job, so waiting costs money

If a CNC machine goes down at a shop that supplies the Upstate manufacturers, orders back up. If a walk-in cooler fails at a Hilton Head restaurant in July, product spoils by the hour. If a landscaping crew in Rock Hill needs a second mower and trailer to take on new contracts, every week without it is work turned away.

Equipment financing lets you get the machine, vehicle or tool now and pay for it over time. We fund from $25,000 to $5,000,000 depending on what your business supports.

Equipment financing also keeps your operating cash free for payroll, fuel and inventory, instead of draining the account for one large purchase.

What South Carolina owners finance

New or used equipment can both be considered. Bring the quote or invoice and we will work from there.

How we review the request

We look at about three months of business bank statements to see how steady your deposits are and what you already pay out each month. FICO 500+ is considered, we start with a soft credit pull, and no tax returns are required. Sole proprietors can apply, and the application takes about 5 minutes.

If you need cash for setup, training or materials alongside the equipment, working capital in South Carolina can cover those costs separately.

Before you sign

Your offer shows the full repayment amount and the payment schedule before you accept. Compare the payment to the revenue the equipment should bring in, and leave room for slower months. Funding can arrive in as little as 24 hours for qualified businesses. Start your application when you have a quote in hand.

Frequently Asked Questions

What kind of equipment can I finance in South Carolina?

Most business equipment: machinery, vehicles, kitchen gear, medical equipment, construction equipment and tools. The equipment should be used to run or grow your business.

Can I finance used equipment?

Used equipment can be considered. Share the quote or invoice and details on the item.

Do I need tax returns?

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

What credit score do I need?

FICO 500+ is considered. Deposits and how the business runs weigh heavily, and we start with a soft pull.

How much can I finance?

From $25,000 to $5,000,000. The amount depends mainly on your deposits and current obligations, along with the cost of the equipment.

Can sole proprietors finance equipment?

Yes. Sole proprietors can apply. A landscaper, mobile mechanic or independent contractor with steady business deposits can apply the same way a larger company would.

CNC Machine $140,000.00
Walk-In Cooler $32,000.00
Service Van $58,000.00
Skid Steer $75,000.00

Example uses for illustration only.

How to improve your chances

Have these ready and the equipment review tends to go faster.

  • Get a written quote or invoice from the seller
  • Know whether the item is new or used and its age
  • Gather three months of business bank statements
  • Estimate the revenue the equipment will support

Our equipment financing vs. a bank equipment loan

Merchant Fund Express
Traditional bank loans
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Higher scores usually needed
Speed
As little as 24 hours if qualified
Weeks of review
Credit check to start
Soft pull
Hard inquiry is common
Costs
Full repayment amount up front
Fees spread across forms

Get your South Carolina equipment working

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

Apply for Funding
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