Merchant Fund Express
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Equipment Repair Funding for Restaurants

Fix the walk-in, hood, fryer or dish machine before it costs you another service. Funding from $25,000 based on your recent deposits.

Fix It Now

Restaurant equipment repair

Every service without that unit costs you covers

Kitchen breakdowns pile up costs fast: repairs, spoiled product, lost tables. We review about three months of deposits so you can approve the fix and keep serving.

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 moves at kitchen speed

Fast decision, light paperwork

5-minute application, about three months of statements. Funding in as little as 24 hours for qualified businesses.

Flexible on credit

FICO 500+ considered with a soft pull to start. Card and cash deposits carry weight.

Full cost before you commit

The total repayment amount is shown in your offer before you accept. No surprise costs after you sign.

Payments you can plan for

Your repayment schedule is set out in the offer up front, so you know what to expect.

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 kitchen is only as good as its worst compressor

The walk-in starts running warm on a Friday afternoon. The hood fan dies and the fire marshal won't let you cook under it. The dish machine floods, the combi oven throws an error code, or the ice machine quits in July. In a restaurant, a broken machine doesn't just cost the repair. It costs spoiled product, comped meals and the covers you couldn't serve.

Equipment repair funding for restaurants is built to move at kitchen speed. Apply in about five minutes, send about three months of bank statements, and qualified businesses can see funding in as little as 24 hours.

Repairs restaurants commonly fund

EquipmentWhy it can't wait
Walk-in cooler or freezerProduct loss and food safety
Hood and fire suppressionYou can't cook without it
Fryers, ranges, combi ovensMenu items go off the board
Dish machineLabor and sanitation pile up
HVAC in the dining roomGuests leave when it's too hot

Repair or replace?

Ask the tech for both numbers. If a compressor rebuild costs most of what a new unit would, and the unit is near the end of its life, replacement may be the smarter spend. That's where equipment financing for restaurants comes in. For repairs, a merchant cash advance or working capital usually fits, since the money goes to labor and parts rather than a titled asset. If your equipment is aging across the board, a line of credit keeps a reserve ready for the next breakdown.

Don't forget the hidden costs

When you size the request, include more than the invoice: product you had to toss, rental equipment while the unit is out, overtime for prep done elsewhere, and any rush shipping on parts. For illustration, a restaurant whose walk-in failed might fund the compressor, a refrigerated trailer rental for a few days and the replacement order of proteins in one go.

How we decide

We look at your deposit history and what you already owe each month. FICO 500+ is considered, the first check is a soft credit pull, no tax returns are required, and sole proprietors can apply. Start your application and get the kitchen back to full speed.

Frequently Asked Questions

Can I get funding for a repair the same weekend it breaks?

We move fast, and funding can arrive in as little as 24 hours for qualified businesses. Timing depends on how quickly paperwork comes in.

Do I need an invoice from the repair company?

An estimate is helpful for sizing your request, but the offer itself is based mainly on your deposits and existing obligations.

Can the funding cover spoiled food too?

Yes. Many owners include product loss and temporary rental costs along with the repair.

What does repayment look like?

Your offer lays out the full repayment amount and schedule before you accept, so there are no surprises after you sign.

My credit took a hit last year. Can I still apply?

Yes. We consider FICO scores from 500 and start with a soft pull. Steady card and cash deposits over the last few months carry a lot of weight in the decision, alongside the payments you already owe.

Walk-in compressor $26,000.00
Hood system $48,000.00
Combi oven repair $31,000.00
Dish machine $27,500.00

Example uses for illustration only.

How to improve your chances

A few steps help you get the right amount for a kitchen repair.

  • Ask the tech for repair and replace quotes
  • Add spoiled product and rentals to the total
  • Keep three months of statements ready
  • List any existing advance or loan payments

Repair funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Long loan forms
Documents
About 3 months of statements
Tax returns, financials
Credit
FICO 500+ considered
Higher scores expected
Speed
As little as 24 hours if qualified
Weeks, not days
Initial check
Soft pull
Hard pull common

Get the kitchen back to full speed

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

Apply for Funding
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