Merchant Fund Express
(305) 384-8391Apply

Equipment Financing in Wyoming

Trucks, machinery and ranch gear for Wyoming businesses with steady deposits. No tax returns, soft pull to start, 5-minute application.

Finance Equipment

Equipment Financing | Wyoming

Get the machine before the season starts

From oilfield pickups to ranch balers, Wyoming businesses run on equipment. We help you buy it based on how your business deposits money.

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 funding without the runaround

Fast, with little paperwork

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

Flexible on credit

FICO 500+ considered, with a soft pull to start. Deposits matter as much as scores.

Full cost in your offer

See the total repayment amount before you accept. No surprise costs once you sign.

Payments laid out ahead

Your repayment schedule is spelled out in the offer so you can budget around it.

Ready to see your numbers?

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 keeps Wyoming working

Across Wyoming, equipment is the business. Oilfield service companies rely on pickups, trailers and pressure gear. Ranches and farm suppliers run balers, tractors and stock trailers. Contractors in Cheyenne and Casper need skid steers and compressors, and restaurants in tourist towns need walk-ins and ranges that hold up through a packed summer.

Our equipment financing helps established businesses with steady deposits buy what they need, with funding from $25,000 to $5,000,000.

What you can finance

New or used, the question is the same: does the purchase fit what your business deposits each month?

The process, start to finish

The application takes about 5 minutes and starts with a soft credit pull. We review about three months of business bank statements. No tax returns are required, and FICO scores from 500 are considered. Sole proprietors can apply.

Your offer shows the full repayment amount and repayment schedule before you accept, and qualified businesses can be funded in as little as 24 hours. Speed matters in Wyoming when a used machine at a fair price will not sit on the lot for long.

Timing a purchase in Wyoming

Construction and ranch work in Wyoming squeeze a lot into the warmer months. Buying equipment in late winter or early spring gives you time to get it delivered, serviced and working before the busy stretch. Owners who wait until the season starts often end up paying more for rentals while they search. If you see a machine you need, having three months of statements ready means you can move when the seller is ready. Think through the full cost of ownership as well: insurance, fuel, maintenance and any extra hands needed to run it. A purchase that pays for itself in a strong month should still be manageable in a slow one.

Pairing equipment with other funding

Buying a machine often brings other costs: training, fuel, a bigger crew. Some owners pair equipment financing with working capital in Wyoming or keep a line of credit on hand for repairs. When you are ready, apply here.

Frequently Asked Questions

Can I finance used equipment in Wyoming?

Yes. We look at whether the purchase fits your business deposits, whether the equipment is new or used.

How much can I finance?

Funding ranges from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.

Do you need my tax returns?

No. About three months of business bank statements is the core of what we review.

Does a lower credit score rule me out?

Not on its own. FICO scores from 500 are considered, and we weigh your deposit history alongside credit.

How quickly can I get the equipment?

Qualified businesses can be funded in as little as 24 hours, which helps when a seller will not hold a machine.

Can sole proprietors finance equipment?

Yes. Sole proprietors can apply. We review the deposits in the account your business uses.

Skid steer $65,000.00
Stock trailer $40,000.00
Walk-in cooler $28,000.00
Service truck $90,000.00

Example uses for illustration only.

How to improve your chances

Before you finance equipment, a little prep goes a long way.

  • Get a written quote or invoice for the equipment
  • Keep statements clean and in one business account
  • Know how the equipment will add revenue
  • Total up the payments you already make

Equipment financing: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application time
About 5 minutes
Days of forms
Paperwork
Bank statements, no tax returns
Tax returns and financials
Credit
FICO 500+ considered
Strict score cutoffs
Starting check
Soft credit pull
Hard pull common
Speed
As little as 24 hours if qualified
Weeks to close

Finance your next Wyoming equipment purchase

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

Apply for Funding
Apply NowCall