Merchant Fund Express
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Funding for a Vehicle or Truck Purchase

Add the van, pickup or box truck your business needs to take on more work. We fund established businesses from $25,000 to $5,000,000.

Get My Vehicle

Business Vehicle Financing

Another vehicle means more jobs on the schedule

When crews are waiting on a truck, work gets turned away. Equipment financing or working capital puts the vehicle in your lot without tying up operating cash.

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 owners finance vehicles with us

Short application, light paperwork

A 5-minute application, about three months of bank statements and no tax returns. Funding in as little as 24 hours for qualified businesses.

Flexible on credit

FICO 500 and up is considered. Your deposits and current obligations are weighed alongside your score.

No guessing on cost

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

Repayment laid out up front

The schedule is spelled out in your offer so you can match it to the revenue the new vehicle brings in.

Payroll before sales come in?

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 work depends on wheels

Plumbers, electricians, landscapers, caterers, florists, cleaning crews, delivery services and local carriers all hit the same wall: you can not take on more jobs without another vehicle. A used van or pickup, a box truck for local routes, or a service body truck can be the difference between turning down work and saying yes.

We provide equipment financing and working capital so established businesses can add vehicles. Funding runs from $25,000 to $5,000,000. Apply in about 5 minutes.

How funders look at a vehicle purchase

These factors are weighed together. Strength in one area can offset questions in another, but none of them works as an automatic outcome.

Equipment financing or working capital?

Equipment financing

Best for a specific vehicle with a clear price and seller. The truck or van is tied to the financing. See our $100,000 equipment financing page for an example of a larger purchase.

Working capital

Useful when you also need upfitting, shelving, ladder racks, wraps, insurance deposits or a driver's first weeks of pay alongside the vehicle.

A note on trucking

For freight businesses, our focus is regional and local carriers with established deposits, such as local delivery, short-haul and regional routes. We do not promise funding for long-haul trucking operations.

What to have ready

No tax returns are required, sole proprietors can apply, and funding can arrive in as little as 24 hours for qualified businesses.

Frequently Asked Questions

Can I finance a used truck or van for my business?

Used vehicles are commonly financed. The vehicle's year and condition are considered along with your deposits, existing obligations and credit.

Do you fund long-haul trucking companies?

Our trucking focus is regional and local carriers. We do not promise funding for long-haul trucking operations.

Can the funding cover upfitting and wraps too?

Yes. Working capital can cover shelving, racks, wraps, insurance deposits and similar costs alongside the vehicle purchase.

How fast can I get a vehicle funded?

Funding can arrive in as little as 24 hours for qualified businesses. The application takes about 5 minutes and starts with a soft credit pull.

Will I know what I will repay?

Yes. The offer shows the full repayment amount and schedule before you accept, with no surprise costs after you sign.

Can I buy more than one vehicle at once?

Yes, fleet additions are a common request. The amount depends on your deposits and existing obligations, so list each vehicle and its price so the request can be sized against what your business can carry.

Cargo van $42,000.00
Box truck $68,000.00
Service pickup $51,000.00
Upfit and racks $9,000.00

Example uses for illustration only.

How to improve your chances

These steps help a vehicle funding request go smoothly.

  • Get a written quote with the VIN and price
  • Price out upfitting and wraps separately
  • Keep job revenue in your business bank account
  • List current vehicle payments before applying

Vehicle funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Long forms and dealer back-and-forth
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Strong credit usually needed
Speed
As little as 24 hours if qualified
Days to weeks
Upfit costs
Working capital can cover
Often excluded

Get your next work vehicle on the road

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

Apply for Funding
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