Merchant Fund Express
(305) 384-8391Apply

Emergency Funding for Machine Shops

Late customer payment, failed machine or a supplier demanding cash? Get a fast decision and funding in as little as 24 hours for qualified shops.

Get Funding Now

Machine Shop Emergency Funding

Handle the crisis and keep the parts shipping

When problems stack up in the shop, you need cash before you can fix anything. We keep the process short so you can focus on production.

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.

Built for the week everything breaks

Fast and simple

Apply in about 5 minutes with about three months of bank statements. No tax returns required.

Credit flexibility

FICO 500+ considered. Your deposit pattern counts alongside your score.

See the whole cost

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

Know your schedule

The repayment schedule is laid out in the offer up front, so you can plan the recovery.

Ready to see your numbers?

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.

Emergencies in a shop rarely come one at a time

The biggest customer pushes a payment back thirty days. The same week, your coolant sump pump fails and a supplier moves you to cash-on-delivery. Or a power surge takes out a drive, an inspection finds a nonconforming lot that must be remade at your cost, or a water leak damages tooling. In a machine shop, problems stack up fast, and every one of them needs cash before it can be solved.

Emergency funding for machine shops gives you money to handle the immediate problem and keep production moving.

Common uses for emergency funds

Matching the fix to the problem

For most one-time emergencies, working capital or a merchant cash advance covers the gap. If a machine is beyond repair, equipment financing can fund the replacement. Owners who want a standing cushion for next time look at a business line of credit.

If cash speed is the main concern, our fast funding page for machine shops explains how quickly things can move.

What funders weigh when things go wrong

A rough week shows up in your bank statements, and that is expected. Funders look at the broader pattern over roughly three months: average deposits, how consistent they are, and any existing obligations. Being upfront about what happened, such as a delayed customer payment, helps the review make sense of the numbers.

Fast, but still clear

Decisions move fast. The application takes about 5 minutes with a soft credit pull to start, and no tax returns are required. FICO 500+ is considered. Your offer lists the full repayment amount and schedule before you accept, and qualified shops can be funded in as little as 24 hours. Apply now.

Frequently Asked Questions

Can I get emergency funding if a customer is paying late?

Yes. Covering a gap caused by a late customer payment is one of the most common reasons shops apply.

How fast can a machine shop get emergency funds?

Qualified shops can be funded in as little as 24 hours after approval and signing.

My deposits dipped this month. Will that hurt my application?

Funders look at the broader pattern of about three months of statements. Explaining the cause of a dip helps put it in context.

Do you need financial statements or tax returns?

No tax returns are required. We review about three months of business bank statements.

Can I use the money to remake a rejected lot?

Yes. Rush material, overtime and outside processing to remake parts are common uses.

Late-pay gap $50,000.00
Remake rejected lot $14,000.00
Drive replacement $11,000.00
COD supplier bill $22,000.00

Example uses for illustration only.

How to improve your chances

A few habits soften the blow of the next shop emergency.

  • Spread revenue across more than one key customer
  • Keep spare drives and pumps for critical machines
  • Review insurance for equipment breakdown coverage
  • Build a reserve from the strongest months

Emergency funding vs. a bank

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Weeks of review
Documents
About 3 months of statements
Tax returns and P&L
A rough month
Reviewed in context
Can stall approval
Credit
FICO 500+ considered
Higher bar
Total cost
Shown before you accept
Fees may come later

Get your shop through this week

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

Apply for Funding
Apply NowCall