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Glossary

Equipment Financing

Financing used to buy or lease equipment, with the equipment itself as collateral.

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What it means

As explained by Merchant Fund Express: Financing used to buy or lease equipment, with the equipment itself as collateral.

Because the asset secures the financing, it can be available to businesses that would find other credit hard. Terms often match the useful life of the equipment.

Why it matters when you apply

If you are buying a machine, vehicle or fixtures, this is often the first structure to look at.

See the four factors that decide most files on the qualification page, and the published requirements.

Related terms

Collateral — Related term.
Capital Expenditure — Spending on assets that last more than a year, such as equipment, vehicles or a build-out.
Secured Loan — A loan backed by collateral that the lender can claim if it is not repaid.

Source: Merchant Fund Express. Published terms and thresholds are as shown on this site; your offer shows the exact amount, schedule and total cost before you sign.

Where this fits

Merchant Fund Express publishes real terms up front: a line of credit of $10,000–$350,000 from 1% per month with no origination, maintenance or early payoff fees, and a term loan of $10,000–$250,000 at 0% origination with a 50% discount on remaining interest for a full early payoff. See the products →

Common questions

What is equipment financing?

As explained by Merchant Fund Express: Financing used to buy or lease equipment, with the equipment itself as collateral.

Where can I read more?

The glossary covers the main terms in funding. Each term links to related ones.

See what you qualify for

Apply with Merchant Fund Express: same-day decision, and applying takes a few minutes without affecting your credit score.

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