Merchant Fund Express
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Equipment Repair Funding for Furniture Stores

Get the delivery truck, forklift or POS system fixed and keep sold orders moving. Apply in 5 minutes with about three months of bank statements.

Fund My Repair

Furniture Store Equipment Repair

Fix what is broken before customers feel it

Sold furniture that cannot be delivered is revenue on hold. Funding from $25,000 to $5,000,000 helps you handle repairs without draining 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.

Repair funding that keeps pace with you

Quick application, short document list

Five minutes to apply and about three months of statements. Qualified stores can be funded in as little as 24 hours.

Room for imperfect credit

FICO 500 and up is considered, and we start with a soft pull that leaves your score alone.

Know the total before you commit

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

A schedule you can see

Your repayment schedule is spelled out in the offer up front, so the repair cost fits your planning.

Waiting on deposits to land?

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.

When the truck or the forklift goes down

A furniture store runs on more equipment than people notice. The box truck that handles deliveries, the forklift or pallet jack in the back, the point-of-sale system, the climate control that protects leather and wood. When one of those breaks, sold orders sit in the warehouse and customers start calling to ask where their sofa is.

Repairs rarely wait for a convenient month. Equipment repair funding lets you fix the problem now and spread the cost instead of draining your operating account.

Common repair jobs we see

Repair now or replace?

Sometimes the honest answer is that the old truck is not worth fixing again. If replacement makes more sense, equipment financing can be a better fit than paying for another round of repairs. For repairs themselves, many owners use working capital or a merchant cash advance, which is repaid from future sales. We will lay out what each option looks like for your store.

What we need from you

Send about three months of business bank statements and fill out a 5-minute application. No tax returns are required, and we start with a soft credit pull. FICO scores of 500 and up are considered. Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.

Your offer shows the full repayment amount and the repayment schedule before you accept. Apply now and get a repair quote in hand at the same time.

Keep orders moving

Every day a delivery truck sits in the shop is a day of sold furniture not leaving your floor. Getting the repair funded quickly protects the sales you have already made and the reviews customers leave afterward.

It also protects your relationships with the delivery crew. If drivers sit idle while the truck is down, good ones start looking elsewhere. A quick repair keeps routes full and keeps the team you rely on.

Frequently Asked Questions

Can I use the funds for more than one repair?

Yes. Owners often combine a truck repair with other fixes around the store. Tell us what you need covered when you apply.

Can a sole proprietor apply for repair funding?

Yes. Sole proprietors can apply, and the same short document list applies.

Should I get a repair quote before applying?

It helps. A quote lets you request an amount that matches the job, but you can apply before you have the final number.

Is equipment financing the same as repair funding?

Not quite. Equipment financing is generally used to buy equipment, while repair costs are usually covered with working capital or a merchant cash advance.

How fast can I get the money?

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

What credit score do I need?

FICO scores of 500 and up are considered. Your deposit history matters a great deal too.

Truck repair $28,000.00
Forklift fix $9,500.00
HVAC repair $22,000.00
New POS system $15,000.00

Example uses for illustration only.

How to improve your chances

These steps make a repair request easier to review and fund.

  • Get a written repair quote from your mechanic or vendor
  • Keep your business deposits in one main account
  • Note any existing obligations on your application
  • Decide whether repair or replacement is the smarter spend

How our process compares with a bank

Merchant Fund Express
Traditional bank loans
Time to apply
About 5 minutes
Often hours of paperwork
Tax returns
Not required
Usually required
Credit scores
FICO 500+ considered
Often higher thresholds
Funding time
As little as 24 hours if qualified
Weeks in many cases
Who can apply
Sole proprietors included
May favor larger entities

Get your equipment back in service

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

Apply for Funding
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