Merchant Fund Express
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Equipment Repair Funding for Nurseries

Fix greenhouse heaters, irrigation pumps, forklifts and delivery trucks fast so your live inventory stays protected.

Fund the Repair

Nursery Equipment Repairs

Protect your plants by fixing the gear fast

When equipment fails in a nursery, live stock is on the line. We help established garden centers and growers pay for repairs quickly, with the full repayment picture in every offer.

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 without the runaround

Quick, simple application

Apply in about 5 minutes with roughly three months of statements. Funding in as little as 24 hours for qualified businesses.

Flexible on credit

FICO 500+ considered, starting with a soft pull. Steady deposits weigh heavily in our review.

Costs you can see

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

A clear payment plan

The repayment schedule is laid out up front, so you can plan it around your selling season.

Need capital this week?

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.

A failed pump does not wait for payday

In a nursery, equipment failures cost more than the repair bill. A greenhouse heater that quits on a cold night can wipe out a house full of young plants. A broken irrigation pump in July stresses an entire lot of container stock. A dead skid steer or forklift slows unloading right when spring trucks are lined up at the gate.

Equipment repair funding for nurseries and garden centers gets the fix done now so you protect inventory and keep the season on track.

Repairs we commonly see

EquipmentWhy it is urgent
Greenhouse heaters and boilersCold damage to live stock
Irrigation pumps and controllersPlant loss in heat
Forklifts and skid steersUnloading and moving stock
Delivery trucksCustomer and landscape orders
Potting machines and coolersProduction and cut flower shelf life

Repair or replace?

Sometimes the honest answer is that the old unit is done. If a repair quote is close to the cost of replacement, it may make more sense to look at equipment financing for a new heater, pump or truck. For a straightforward repair, working capital is usually simpler. We can talk through both, and every offer lays out the full repayment amount and schedule before you accept.

Getting funded

The application takes about 5 minutes and begins with a soft credit pull. We review about three months of business bank statements; no tax returns required. FICO 500+ considered, and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.

Tip: have the repair shop's written quote ready. It keeps your request focused on what the fix actually costs.

Preventing the next breakdown

Many nursery repairs trace back to deferred maintenance during a busy stretch. Scheduling heater service in early fall and pump checks before summer can head off a lot of emergencies. Keeping a simple log of service dates and hours for each machine also helps you spot which units are near the end of their useful life, so replacement becomes a planned decision instead of a scramble. If you are already in a pinch, our emergency funding page covers broader urgent needs.

Frequently Asked Questions

Can I fund a repair and a replacement part together?

Yes. Repairs, parts, labor and related costs like temporary rentals can be covered together.

Should I repair or finance new equipment?

If the repair quote approaches the cost of a new unit, equipment financing may be worth comparing. We can show you both options.

How fast can repair funding arrive?

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

Do I need to show tax returns?

No. We review about three months of business bank statements and start with a soft credit pull.

Is there a minimum amount?

Funding starts at $25,000 and goes up to $5,000,000, depending on deposits and existing obligations.

Can I bundle several small repairs into one request?

Yes. Many nurseries group a heater service, a pump replacement and truck work into one request so the whole lot is ready for the season. List each quote so the total is easy to explain.

Heater repair $26,000.00
Irrigation pump $31,000.00
Forklift rebuild $29,500.00
Truck engine $35,000.00

Example uses for illustration only.

How to improve your chances

A little preparation helps you get the right amount fast.

  • Get a written quote from your repair shop
  • Compare repair cost against replacement
  • Schedule heater and pump service off-season
  • Keep deposits in one business account

Repair funding with us versus a bank

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours
Slow for urgent repairs
Application
About 5 minutes
Extensive paperwork
Documents
About 3 months of statements
Tax returns, appraisals
Credit
FICO 500+ considered
Strong credit expected
Credit check
Soft pull to start
Hard pull

Get your equipment running again

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

Apply for Funding
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