Merchant Fund Express
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Emergency Funding for Excavation Contractors

A machine goes down or a GC pays late, and the crew still needs paying. Apply in 5 minutes and get funded in as little as 24 hours if you qualify.

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Excavation Emergency Funding

Keep the crew working when the unexpected hits

Excavation emergencies rarely wait for a convenient week. We size funding to your deposits so you can cover repairs, payroll, and fuel while the job gets back on track.

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 excavation owners use us in a pinch

Fast, light paperwork

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

Credit history is not the whole story

FICO 500+ is considered. We weigh your deposits and how the business runs today.

Clear costs before you sign

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

Repayment you can plan around

The repayment schedule is laid out in your offer up front, so you can budget around it.

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.

When the dirt work can't wait

Excavation runs on heavy iron, fuel, and crews that show up at dawn. When something breaks the rhythm, like a blown final drive on an excavator, a surprise utility conflict that pushes a job back, or a general contractor who pays late, the bills do not pause. Payroll, fuel cards, and equipment payments keep landing.

We built our emergency funding for exactly that gap. You apply in about five minutes, we start with a soft credit pull, and qualified businesses can see funding in as little as 24 hours. Amounts run from $25,000 to $5,000,000, sized to what your deposits support.

Common emergencies we see from excavation crews

Which product fits an urgent need

Most excavation owners who call on us in a pinch use one of a few options. Working capital for excavation covers general shortfalls like payroll and fuel. A merchant cash advance is repaid from future receivables. If the emergency is a failed machine you would rather replace than fix, equipment financing may make more sense. If you expect more bumps ahead, a business line of credit gives you room to draw again.

What we look at

We focus on how your business runs today. Expect to share about three months of business bank statements. No tax returns are required, FICO scores from 500 are considered, and sole proprietors can apply. We look at deposit consistency and existing obligations to size an offer. If your credit has taken a hit, see our bad credit options for excavation.

Every offer shows the full repayment amount and the repayment schedule before you accept, so you know exactly what you are signing. When you are ready, start your application.

Frequently Asked Questions

How fast can an excavation company get emergency funding?

Decisions move quickly, and qualified businesses can be funded in as little as 24 hours after approval. Having your recent bank statements ready helps keep things moving.

Will a hard credit inquiry hit my score when I apply?

No. We start with a soft credit pull, so checking your options does not affect your score at the application stage.

Can I use emergency funds to repair a machine instead of buying new?

Yes. Many owners use working capital to fix a down excavator, dozer, or loader. If replacing makes more sense, equipment financing is another path.

I am a sole proprietor running one machine. Can I apply?

Yes. Sole proprietors can apply. We look at your business bank deposits to understand what amount fits.

What documents do I need?

About three months of business bank statements and a short application. No tax returns are required.

Hydraulic repair $32,000.00
Crew payroll $58,000.00
Fuel and haul $21,500.00
Undercarriage $44,000.00

Example uses for illustration only.

How to improve your chances

A few habits can strengthen your next funding request.

  • Run all job receipts through one business account
  • Keep three months of statements ready to send
  • Invoice GCs promptly at each draw milestone
  • List current equipment payments and balances

Merchant Fund Express vs. a typical bank

Merchant Fund Express
Traditional bank loans
Application time
About 5 minutes
Long forms and meetings
Funding speed
As little as 24 hours if qualified
Often several weeks
Credit considered
FICO 500+
Usually much higher
Tax returns
Not required
Usually required
Initial credit check
Soft pull
Hard pull common

Get the iron moving again

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

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