Merchant Fund Express
(305) 384-8391Apply

Same-Day Funding for Machine Shops? Here Is the Truth

Decisions move fast and funding can arrive in as little as 24 hours for qualified shops. Apply in 5 minutes with a soft credit pull.

Start Application

Fast Machine Shop Funding

Keep spindles turning when cash gets tight

Fast funding for repairs, rush material and payroll gaps. About three months of bank statements, no tax returns, and a clear offer showing the full repayment amount.

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.

Speed without the guesswork

Quick decisions, short checklist

Five minutes to apply and three months of statements. No tax returns slow things down.

Room for imperfect credit

FICO 500+ is considered. We weigh your shop's deposits and steady work too.

No surprises after signing

The full repayment amount is shown in your offer before you accept. Nothing gets added later.

Payments you can see coming

Your repayment schedule is spelled out in the offer, so you can plan around it.

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.

When a machine shop needs money quickly

Spindle bearings fail on a Tuesday. A customer pulls in a hot job that needs a pallet of 4140 by Friday. Payroll lands the same week a large customer stretches payment terms. Machine shops search for same-day funding because downtime and missed deliveries cost more than almost anything else.

We will be straight with you: we do not promise same-day funding. What we can say is that decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

What keeps the process quick

The fastest files are the ones where statements are ready to send and the owner can answer a couple of quick questions about the shop.

Common uses for fast funding in a shop

Emergency repairs

A down machine means idle operators and late parts. See our page on equipment repair funding for more on that situation.

Material for a rush order

When a customer needs parts quickly, buying the stock and tooling now can be the difference between winning repeat work and losing it.

Covering payroll through slow pay

Large customers often pay on long terms. Bridging that gap keeps skilled machinists on the clock. Our payroll funding page goes deeper.

Which product fits a fast need

A merchant cash advance or working capital is often the quickest route for a one-time need. If urgent needs come up often, a line of credit may be a better long-term fit. For a true crisis, read about emergency funding.

Moving fast without making a rushed decision

Speed matters, but so does knowing what you are signing. Before you accept, check that the payment schedule lines up with how your customers actually pay you, and that the amount covers the full need, not just the first invoice. Borrowing only what the job requires keeps repayment comfortable. If a request is tied to a single purchase order, have the PO handy so we can see where the money goes and how the work pays it back.

Frequently Asked Questions

Can I get funded the same day I apply?

We do not promise same-day funding. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

What slows a file down?

Missing bank statements, deposits split across several accounts, or unclear existing obligations. Having three months of statements ready helps the most.

Does applying hurt my credit?

We start with a soft credit pull, which does not affect your score.

How much can I request?

Funding ranges from $25,000 to $5,000,000, based mainly on your deposits and current obligations.

Can a sole proprietor shop apply?

Yes. Sole proprietors can apply as long as the business has steady deposits.

Spindle rebuild $28,000.00
Rush bar stock $42,000.00
Payroll gap $60,000.00
Tooling restock $25,000.00

Example uses for illustration only.

How to improve your chances

These steps help a fast request move even faster.

  • Download three months of statements before you apply
  • Route all deposits through your main business account
  • Know the exact amount and use before you start
  • Have a list of any current advances or loans handy

How fast funding compares with a bank

Merchant Fund Express
Traditional bank loans
Decision pace
Decisions move fast
Committee review over weeks
Funding timing
As little as 24 hours if qualified
Weeks to close
Paperwork
About 3 months of statements
Tax returns, projections, more
Credit
FICO 500+ considered
Strong credit expected
Start
Soft credit pull
Hard pull at application

Get a fast decision for your shop

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

Apply for Funding
Apply NowCall