Yes. Working capital can fund an emergency equipment replacement the next business day after approval, often faster than equipment financing.
Check my optionsRestaurants
When a walk-in freezer or cooler fails, a restaurant can lose inventory within hours and may need to limit its menu until refrigeration is restored. Working capital can fund an emergency replacement quickly, often faster than equipment financing can be arranged.
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.
Existing balances of $100,000 or less can be bought out.
Net cash, total payback and payment shown before you sign.
Your file goes to funders that fit it, so offers can be compared.
Approved files are usually funded the next business day.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Triage first. Move product to backup refrigeration if possible, document spoiled inventory with photos and receipts, and get a technician to determine whether the unit can be repaired or must be replaced. Compressors, evaporator fans and controls can sometimes be repaired for far less than a new box. Ask for written quotes for both options.
Check insurance. Some commercial property or equipment breakdown policies cover spoilage and repairs from mechanical failure. Filing promptly with documentation can reimburse part of the loss, though payment may take weeks. Plan the emergency spend assuming reimbursement arrives later.
Compare funding speed. Equipment financing typically needs a vendor quote and lender approval and may take days to arrange, which is often acceptable for planned purchases but slow in an emergency. Revenue-based working capital, sized on card and delivery deposits, can be decided the same day and funded as soon as the next business day, with credit from 500 considered.
Size the request to the quote. Include the unit, installation, electrical work and any permit costs, plus the cost of replacing spoiled inventory if needed to reopen fully. Avoid requesting extra beyond the emergency; the payment should fit a normal week once service is restored.
Once the emergency passes, consider refinancing large equipment costs into longer-term equipment financing if your agreement allows early payoff, and set up preventive maintenance to reduce the chance of repeat failures.
MFE works with restaurants regularly and can return offers from multiple funders after one complete application.
Consider a service contract for refrigeration after the replacement. Many installers offer maintenance plans with scheduled inspections, which can catch failing compressors or refrigerant leaks early and reduce the risk of another emergency during a busy season.
Here is emergency working capital sized to a refrigeration quote. Illustrative numbers.
| Amount funded | $150,000 |
| Factor rate | 1.30 |
| Total payback (amount × factor) | $195,000 |
| Fees deducted at funding (5%) | $7,500 |
| Net cash you receive | $142,500 |
| Weekly payment over 36 weeks | $5,417 |
| Same total as daily debits (~180 business days) | $1,083/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Triage | Backup storage, document spoilage |
| Repair vs. replace | Get written quotes for both |
| Insurance | Equipment breakdown or spoilage coverage |
| Funding | Working capital for speed; equipment financing for planned buys |
| Prevention | Scheduled maintenance |
Good fit:
Probably not yet:
Yes, it can fund the next business day after approval.
Often; get written quotes for both.
Some policies with equipment breakdown or spoilage coverage do; check yours.
Often, because it requires vendor quotes and lender approval.
The replacement quote plus installation and essential restocking.
Revenue-based options begin at 500.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding