Merchant Fund Express
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Equipment Repair Funding for Excavation

Get the excavator, dozer or dump truck fixed and back on the job. Fast decisions and funds in as little as 24 hours for qualified businesses.

Fix My Machine

Excavation Equipment Repair

Stop losing days to a machine that's waiting on parts

Every day a key machine is down, the job slips. We help excavation contractors pay for repairs and rentals now, with repayment from the work that follows.

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.

Repair funding built for heavy equipment

Quick and light on paperwork

A 5-minute application and about three months of statements. No tax returns.

Credit flexibility

FICO from 500 is considered, with weight on your deposit history.

Know the full cost

The full repayment amount is in your offer before you accept. No surprise costs after you sign.

Clear repayment plan

Your payment schedule is spelled out in the offer up front.

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.

A down machine costs more every day it sits

When an excavator's hydraulic pump fails or a dozer needs undercarriage work, the repair bill is only part of the cost. The job falls behind, operators stand around, rental machines get expensive and the client starts asking questions. Equipment repair funding for excavation contractors is about getting the machine fixed and back to work before the delay costs more than the repair.

Repairs we see excavation companies fund

MachineTypical repair
ExcavatorsHydraulic pumps, swing motors, final drives
Dozers and loadersUndercarriage, tracks, transmissions
Dump trucksEngines, beds, brakes, emissions systems
Skid steersDrive motors, attachments, electrical

Repair, rent or replace?

Sometimes the repair estimate gets close to what the machine is worth. In that case, it may make sense to look at equipment financing for excavation to replace it instead. When the repair is the sensible choice, working capital covers parts, labor and the rental you need while the machine is in the shop. Get a written estimate first so you can size the funding to the actual bill.

An example, for illustration

For illustration: a site work contractor's main excavator loses a final drive in the middle of a utility trench job. The dealer quotes the part and labor, and the job needs a rental machine for the week and a half the repair will take. The owner applies the same day with bank statements in hand, reviews an offer showing the full repayment amount and schedule, and approves the repair. The rental keeps the trench moving, the excavator comes back, and the job finishes close to schedule. The key was having the estimate and the statements ready so the decision could be made quickly.

Apply while the machine is in the shop

The application takes about five minutes. We review roughly three months of business bank statements, consider FICO scores from 500 and start with a soft credit pull. No tax returns. Qualified businesses can be funded in as little as 24 hours. Apply now and get the machine back on the dirt.

Frequently Asked Questions

Can I pay the repair shop directly with the funds?

The funds are deposited into your business account, and you pay the repair shop, dealer or parts supplier as you normally would.

Should I repair an older machine or replace it?

Compare the repair estimate to the machine's value and remaining useful life. If the repair approaches replacement cost, equipment financing for a newer machine may make more sense than putting money into the old one.

Can equipment repair funding cover a rental machine too?

Yes. Working capital can cover the rental, the repair and related costs like hauling.

How quickly can I get repair money?

Decisions move fast, and qualified businesses can be funded in as little as 24 hours.

What if the repair costs less than $25,000?

Our funding starts at $25,000. Some contractors bundle a repair with other needs, like deferred maintenance on other machines or payroll during the delay.

Does the machine need to be used as collateral?

Working capital is based mainly on your deposits rather than a specific machine. Equipment financing for a replacement works differently, since it is tied to the equipment.

Hydraulic pump $24,000.00
Undercarriage job $38,000.00
Rental excavator $14,500.00
Dump truck engine $29,000.00

Example uses for illustration only.

How to improve your chances

Planned maintenance is cheaper than emergency repairs. A few habits help.

  • Track service hours and follow the maintenance schedule
  • Keep a reserve for wear parts like tracks and teeth
  • Get repair estimates in writing before approving work
  • Compare repair cost to replacement value first

Repair funding: MFE vs. a bank loan

Merchant Fund Express
Traditional bank loans
Time to decision
Fast, funds in 24 hrs if qualified
Days to weeks
Documents
About 3 months of statements
Tax returns, financials
Credit
FICO 500+ considered
Higher scores usually
Credit check
Soft pull to start
Hard pull common
Cost disclosure
Full repayment in the offer
Varies

Get the machine running again

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

Apply for Funding
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