Merchant Fund Express
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Equipment Repair Funding for Painting Contractors

Sprayer down, lift out of service or truck in the shop? Get funding to repair or replace it and get the crew back on the wall.

Fix My Equipment

Painting Equipment Repairs

Downtime costs more than the repair

Every day a sprayer or truck is out of commission costs you rentals, delays and idle labor. We fund repairs and replacements based on your bank deposits.

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.

Repairs funded without slowing you down

Fast and simple

Five-minute application with roughly three months of statements. Funding in as little as 24 hours for qualified businesses.

Credit is one factor

FICO 500+ considered. Your deposit history matters as much as your score.

Full cost shown first

The offer lists the full repayment amount before you accept. No surprise costs after you sign.

Fixed plan, no guessing

Your repayment schedule is laid out in the offer up front.

Payroll before sales come in?

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 rig goes down, the schedule goes with it

A painting company runs on a short list of gear that has to work every day: airless sprayers, pumps and hoses, ladders and staging, scissor or boom lifts on commercial jobs, pressure washers for prep, and the trucks or vans that haul all of it. When one of those breaks mid-job, you either rent at a markup, push the schedule, or send the crew home.

None of those options is cheap. Rental bills pile up, customers get annoyed by delays, and idle painters still expect a paycheck.

Repair or replace?

Start with the honest numbers. A rebuilt pump on a sprayer you trust may be the smart call. A work truck with a failing transmission and high mileage may not be worth another repair. For a replacement, equipment financing for painting contractors ties the funding to the asset. For repairs, parts, rentals while you wait, and the lost days around them, working capital is usually more flexible because it is not tied to one piece of equipment.

For illustration only: a contractor might combine a truck transmission, a replacement sprayer and two weeks of lift rental into one working capital request rather than putting each on a separate card.

What you need to apply

A repair quote or invoice is helpful context, but our review is mainly based on your deposits and existing obligations.

Keep the next breakdown smaller

Build a simple maintenance log for pumps, filters and vehicles, and keep a backup sprayer if your volume supports it. Your offer shows the full repayment amount and a set schedule before you accept, so you can weigh the cost against the days of work you would lose waiting. When you are ready, apply here.

Frequently Asked Questions

Can I fund repairs, not just new equipment?

Yes. Working capital can cover repairs, parts, rental equipment while yours is down, and related costs.

Do I need a quote from the repair shop?

It is not required. It helps explain the request, but we mainly review about three months of business bank statements.

How quickly can I get back to work?

Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

Is equipment financing or working capital better for a truck?

For buying a replacement truck, equipment financing ties the funding to the vehicle. For repairing the one you have, working capital is usually the better fit.

Will my credit score rule me out?

FICO 500+ is considered, and we look at your deposits and cash flow alongside credit.

Sprayer rebuild $6,500.00
Truck transmission $14,000.00
Lift rental $8,800.00
New pressure washer $4,200.00

Example uses for illustration only.

How to improve your chances

Simple maintenance habits cut the cost of the next breakdown.

  • Keep a maintenance log for every sprayer and pump
  • Stock spare filters, tips and hoses on each truck
  • Budget a monthly equipment reserve
  • Retire gear before repairs exceed its value

Repair funding: Merchant Fund Express vs. a bank

Merchant Fund Express
Traditional bank loans
Use of funds
Repairs, parts, rentals, downtime
Often limited to new assets
Documents
About 3 months of statements
Tax returns and statements
Credit
FICO 500+ considered
Stricter credit standards
Speed
As little as 24 hours if qualified
Weeks
Initial credit check
Soft pull
Hard pull

Get your gear running again

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

Apply for Funding
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