Merchant Fund Express
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Equipment Financing in Vermont, Built for Winter

Replace a tired evaporator, add a plow truck or upgrade a kitchen line. Apply in 5 minutes with about three months of bank statements.

Finance My Equipment

Equipment Financing, Vermont

Buy the gear now and keep your cash for operations

Equipment financing from $25,000 to $5,000,000 helps Vermont farms, makers and contractors add capacity while keeping their operating cash in the account.

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 Vermont owners finance equipment with us

Minimal paperwork

A 5-minute application, three months of bank statements and your equipment quote. No tax returns required.

Credit seen in context

FICO 500+ considered. We look at deposit consistency and existing obligations, not one number.

Total cost shown up front

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

A predictable schedule

The payment schedule is laid out in your offer, so you can match it to the work the equipment brings in.

Payroll before sales come in?

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 that has to work in Vermont conditions

Vermont is hard on equipment. Winters are long, back roads are rough, and a machine that fails in February is a serious problem. Whether you run a dairy farm, a sugarhouse, a craft brewery, a ski-town restaurant or a building crew, the gear you rely on eventually needs replacing or expanding.

Our equipment financing helps established businesses with steady deposits buy what they need without emptying their operating account. Requests range from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.

Equipment Vermont businesses often finance

Agriculture and food production

Milking and cooling systems, tractors, maple evaporators and reverse osmosis units, and cheese or food processing equipment.

Hospitality and food service

Commercial ranges, walk-in coolers, dishwashers and laundry equipment for inns and lodges.

Construction and trades

Excavators, plow trucks, compact loaders and trailers for crews working through the building season and clearing snow in winter.

Beverage and manufacturing

Brewing tanks, canning lines and production machinery for makers growing their output.

How the request works

  1. Complete the 5-minute application, which starts with a soft credit pull.
  2. Send about three months of business bank statements. No tax returns required.
  3. Share the quote or invoice for the equipment you plan to buy.
  4. Review your offer, which shows the full repayment amount and payment schedule before you accept.

Qualified businesses can be funded in as little as 24 hours. Start your application when your quote is ready.

When another product fits better

If you need money for installation, training or the materials the new machine will process, pair your purchase with working capital in Vermont. We will help you look at which structure fits your plan.

Owners sometimes ask whether to buy now or wait for a better price at an auction. If a machine is costing you jobs, downtime, or overtime every week, waiting can be more expensive than the purchase. Financing lets you compare those costs with the real numbers from your offer in hand.

Frequently Asked Questions

Can I finance equipment for a new location?

Yes, if the existing business shows steady deposits. Share the quote and tell us how the new location fits your plans so the offer matches the purchase.

Can I finance used equipment?

Often, yes. Send the quote with the equipment details and we will review it along with your bank statements.

What credit score do I need?

FICO 500+ is considered. Your deposit history and current obligations matter as much as the score.

Do I need financial statements or tax returns?

No tax returns are required. About three months of business bank statements is the core of the review.

How much equipment financing can I get?

Requests run from $25,000 to $5,000,000. The amount depends mainly on your deposits and the obligations you already carry.

Can I buy seasonal equipment like a plow truck?

Yes, seasonal equipment can be financed. We look at how your business earns across the year, not just one month.

Maple evaporator $60,000.00
Plow truck $85,000.00
Brewing tanks $150,000.00
Kitchen line $45,000.00

Example uses for illustration only.

How to improve your chances

A little preparation can make an equipment request easier to review.

  • Get a written quote with make, model and price
  • Keep business deposits in one operating account
  • Explain how the equipment adds revenue or cuts costs
  • List any current equipment payments honestly

Merchant Fund Express vs a bank equipment loan

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Lengthy forms
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Usually strong credit
Speed
As little as 24 hours if qualified
Often several weeks
Credit check
Soft pull to start
Often a hard pull

Get your next machine working for you

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

Apply for Funding
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