Merchant Fund Express
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Equipment Financing in Washington

Replace a failed machine or add capacity without draining cash. Bank statements instead of tax returns, FICO 500+ considered.

Finance Equipment

Equipment Financing, Washington

From orchard forklifts to kitchen lines

Washington owners finance the gear that produces revenue, sized to what their deposits support and laid out clearly before they sign.

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, minus the slow bank process

Fast and light on paperwork

Apply in five minutes with about three months of statements and your equipment quote. Funding in as little as 24 hours for qualified businesses.

Credit flexibility

FICO 500+ considered. Steady deposits and manageable obligations count for a lot.

Total cost before you sign

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

Payments mapped out

The repayment schedule is in the offer before you accept, so the new machine fits your budget.

Cash flow tight this month?

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.

Gear that keeps Washington working

Washington's economy runs on equipment. Orchards need forklifts and bin trailers, Puget Sound shipyards and marine shops need lifts and welders, timber country needs heavy machinery, and every restaurant from Olympia to Spokane depends on refrigeration and cooking lines. When a key piece fails or demand outgrows what you own, revenue waits.

Our equipment financing starts at $25,000 and can reach $5,000,000 for larger purchases, sized mainly to your deposits and existing obligations.

What owners finance

How it works

  1. Complete the 5-minute application. We begin 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.
  4. Review your offer, which shows the full repayment amount and schedule before you accept.

Qualified businesses can be funded in as little as 24 hours. Apply here.

Planning around Washington seasons

Timing a purchase can matter as much as the price. Orchard operations often want equipment in place well before harvest so crews can train on it. Construction outfits along the I-5 corridor tend to line up machinery ahead of drier months when job sites are busiest. Restaurants and food producers may replace refrigeration before summer, when a failed walk-in costs the most.

Applying ahead of the busy stretch gives you time to compare quotes, review the offer carefully and have the equipment working when revenue picks up. Because our application takes about five minutes and we start with a soft credit pull, checking your options early carries little downside.

New, used, or something else?

Both new and used equipment can make sense depending on the purchase. If you need cash for installation, training or materials beyond the machine itself, working capital in Washington may cover the rest. For ongoing small purchases, a business line of credit can be more practical.

Frequently Asked Questions

Can I finance used equipment in Washington?

Yes, used equipment can be financed. Share the quote or invoice and we will structure the offer around that purchase.

Do you finance long-haul trucks?

Our trucking-related funding is aimed at regional and local carriers and delivery fleets. Share your details in the application and we will review what fits.

What credit score do I need?

FICO 500+ is considered. Deposits and current obligations weigh heavily in our review.

Do I need tax returns?

No. About three months of business bank statements and the online application are what we start with.

Can I finance more than one piece at a time?

Yes. Share quotes for each item and we will look at the total against your deposits and existing obligations.

How soon can I get the equipment?

Decisions move quickly, and qualified businesses can be funded in as little as 24 hours after signing.

Walk-in cooler $38,000.00
Skid steer $72,000.00
Box truck $95,000.00
Brewing tanks $150,000.00

Example uses for illustration only.

How to improve your chances

A prepared equipment request moves faster through review.

  • Get a written quote with model, condition and price
  • Show how the equipment adds or protects revenue
  • Keep three months of clean business bank statements ready
  • Account for installation and setup costs in your plan

Equipment financing: us vs. a bank

Merchant Fund Express
Traditional bank loans
Documents
Statements plus equipment quote
Tax returns and full financials
Credit
FICO 500+ considered
Higher score thresholds
Speed
As little as 24 hours if qualified
Several weeks
Used equipment
Can be financed
Often restricted
Application
5 minutes online
In-branch meetings

Get the equipment your Washington business needs

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

Apply for Funding
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