Merchant Fund Express
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Equipment Repair Funding for Your Hardware Store

Broken forklift, tint machine or delivery truck? Get the repair paid for and keep the store selling. 5-minute application.

Fund My Repair

Hardware Store Equipment Repair

Get the forklift, tint system or truck back to work

Every day a key machine sits broken costs you sales. We review your bank statements and can fund qualified stores in as little as 24 hours.

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 the doors open

Fast, light paperwork

A 5-minute application and about three months of statements. No tax returns to dig up while the machine is down.

Flexible on credit

FICO 500+ is considered. Steady store deposits carry real weight.

No surprises on cost

Your offer lists the full repayment amount before you accept, with no surprise costs after signing.

A clear repayment plan

The schedule is spelled out in your offer, so you know exactly what to budget.

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 equipment stops, sales stop

A hardware store depends on more machines than most people realize. The paint shaker and tinting system, key duplicator, glass and pipe cutting gear, forklift in the yard, delivery truck and point of sale system all earn money every day. When one of them breaks, customers walk to the competitor down the road.

Repairs rarely come at a convenient time. A failed forklift in the middle of spring lumber season or a dead tinting machine on a busy Saturday needs a fix now, not after the next bank meeting. Every hour the problem lingers, staff work around it and customers wait longer.

Ways to pay for the repair

We offer several products that can cover repair bills or replacement:

Repair or replace?

Before you request funds, get a written estimate and ask the technician how much life the machine has left. A large repair on an aging forklift can be a poor use of cash compared with a newer unit. A quick fix to a newer tinting system often pays back in days. We do not tell you which to pick, but your offer will show the full cost so you can compare.

Getting funded

Our 5-minute application starts with a soft credit pull. We ask for about three months of business bank statements and no tax returns. FICO scores from 500 are considered and sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours, and every offer shows the full repayment amount and schedule before you accept. Apply now to see your options.

Frequently Asked Questions

What kinds of equipment repairs can I fund?

Forklifts, delivery vehicles, paint mixing and tinting systems, key machines, cutting equipment, POS hardware and building systems like HVAC are typical examples.

Do I need a quote from the repair shop?

It helps you decide how much to request, but our review is based mainly on your bank statements and existing obligations.

Can I use the money to buy a replacement instead?

Yes. Working capital can go toward a replacement, or you can look at equipment financing if a new unit is the better choice.

How quickly can I get funds for an urgent repair?

Qualified businesses can be funded in as little as 24 hours, so a broken machine does not sit idle for weeks.

Can I fund preventive maintenance too?

Yes. Some owners use working capital to service several machines at once during a slower week, which can help avoid a breakdown during the busy season when downtime costs the most. Planning that work ahead also gives you time to compare quotes.

Is there a minimum credit score?

FICO scores from 500 are considered. Your deposit history is a major part of the review.

Forklift repair $11,500.00
Tinting system $16,000.00
Delivery truck $24,000.00
POS hardware $6,500.00

Example uses for illustration only.

How to improve your chances

A little upkeep can prevent the next emergency repair.

  • Keep a maintenance log for each major machine
  • Get two repair estimates for large jobs
  • Budget a monthly reserve for equipment wear
  • Track which machines drive the most sales

Repair funding: us vs. a typical bank

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Often weeks
Documents needed
About 3 months of statements
Tax returns, financials
Credit
FICO 500+ considered
Higher minimums typical
Starting credit check
Soft pull
Hard pull common
Repair or replace
Either can be funded
Often equipment loans only

Get Your Equipment Back Online

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

Apply for Funding
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