Funding for your situation
What a breakdown really costs, how fast funding can move, and how to compare repair, rental and replacement.
✓ Checking what you qualify for does not affect your credit score.
The machine that makes your money just stopped. Every day of downtime has a cost that is larger than the repair quote: lost revenue, missed orders, customers who go elsewhere. A breakdown is the one expense you cannot schedule, and it tends to land in a week when cash is committed.
Merchant Fund Express is a funding marketplace: you apply once, and the file is matched to the structure that fits it. The sections below show what this situation usually costs, how a funder reads it, and what to prepare.
In writing, with parts and labor.
The interim cost while you wait.
The number most owners leave out.
Paying for speed on parts and labor.
| Cost item | Illustrative amount |
|---|---|
| Repair or replacement quote (illustrative) | $14,000 |
| Rental equipment for 2 weeks | $4,800 |
| Expedite and shipping fees | $1,500 |
| Lost revenue during the downtime | $11,000 |
| Cushion for overruns and slow early weeks (about 10%) | $3,000 |
| True cost of the breakdown | $34,300 |
Sizing check. If the full repayment shown in an offer were $44,000 over about 26 weeks, the weekly debit would be about $1,692. Against illustrative monthly deposits of $30,000 (about $6,923 a week), that is roughly 24% of weekly deposits. Your own offer states the real repayment amount in dollars; run your numbers on the factor rate calculator before you accept anything.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
These are the same factors described on revenue and deposit requirements and time in business. Merchant Fund Express walks you through how your own file reads before you apply.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Here is what happens after you apply with Merchant Fund Express: the application is reviewed against the factors on this page, you get a same-day decision on a complete file, and funding is typically the next business day after signing. If something is missing, we say exactly what.
A same-day decision on a complete file, and funding typically the next business day after signing. A written quote speeds it up.
That depends on age and the quote relative to replacement. If replacement wins, equipment financing can be built around the new asset.
The minimum FICO is 500, and better credit means better products and terms. See credit score requirements for how the tiers work.
Merchant Fund Express gives a same-day decision on a complete file. Applying takes a few minutes and will not affect your credit score.
