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Equipment financing that lets the machine earn its keep

Put the right equipment to work now and spread the cost out. Built for established businesses doing $60K+ a month with credit that is still catching up.

Price my equipment

Equipment Financing

Add capacity now without draining the operating account

Finance trucks, machines, kitchens and tools through our partner, Merchant Fund Express, from $25,000 to $5,000,000.

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.

Equipment financing, without the bank maze

Funding in as little as 24 hours

Qualified businesses can be funded in as little as 24 hours. A 5-minute application and about three months of statements, with no tax returns.

Credit with context

FICO 500+ is considered and a soft pull starts the review. What the business brings in carries weight.

Know the full cost upfront

The total repayment amount is in your offer before you accept, so there are no surprise costs after signing.

Payments mapped before purchase

Your repayment schedule is laid out in the offer up front, so you can weigh it against what the equipment will earn.

What equipment financing covers

Equipment financing is tied to a specific piece of equipment, often with the equipment itself connected to the agreement. Owners use it for things like:

Why owners finance instead of paying cash

Paying cash for a $120,000 machine can leave the business thin right when that machine starts generating new work. Financing spreads the cost across the period you use it. The cash you keep stays available for payroll, materials, and the surprises that come with growth.

For illustration only: a sign shop doing $85,000 a month adds a wide-format printer and takes on vehicle wrap jobs it used to turn away. The new revenue starts while the payments are still spread out. This is an example, not a promise of results or terms.

New, used, or replacing a failed unit

Planned purchases and replacements are both common. If equipment has failed and you need to replace it quickly, our emergency repair funding page covers how to approach the request when timing matters. If you are not tied to one asset, working capital may give more flexibility.

A revenue-first review

This program is built for established businesses doing $60K or more a month whose credit is not perfect. FICO 500 and up is considered. Merchant Fund Express reviews about three months of business bank statements. No tax returns are required, and the 5-minute application starts with a soft credit pull. Sole proprietors can apply.

Before you apply

  1. Get a quote or invoice from the vendor.
  2. Know whether the equipment is new or used and its approximate age.
  3. Have your last three months of business statements ready.
  4. Think through how the equipment adds revenue or saves cost.

Requests from $25,000 to $5,000,000 are considered, with funding in as little as 24 hours for qualified businesses. Apply now.

Frequently Asked Questions

Can I finance used equipment?

Used equipment requests are common. Share the vendor details, age, and condition when you apply so the file can be reviewed accurately.

Do I need a down payment?

Requirements depend on the file and the equipment. Merchant Fund Express will present terms before you accept anything.

What about trucks for long-haul routes?

This program focuses on local and regional fleets. Long-haul trucking is not something we can promise funding for.

Who provides the financing?

Funding is provided through our partner Merchant Fund Express, not by Eagle Credit Repair.

Can I bundle installation or training costs?

Ask about it when you apply. If the extra costs are significant, pairing equipment financing with working capital is another approach to consider.

How do I know if financing makes sense for this purchase?

Start with the math on the equipment itself. If the machine lets you take on work you currently turn away, or cuts hours you pay for every week, financing lets that benefit begin before the full cost is covered. If the purchase is a nice-to-have with no clear return, it may be worth waiting.

Box truck $68,000.00
CNC machine $145,000.00
Commercial oven $36,000.00
Skid steer $54,000.00

Example uses for illustration only.

How to improve your chances

Have these ready before you shop for the equipment.

  • Get a written quote or invoice from the vendor
  • Keep deposits steady in one business account
  • Limit NSFs and negative balance days
  • Have three months of statements ready

How Eagle equipment financing compares to a bank equipment loan

Eagle Business Funding
Traditional bank loans
Time to funding
As little as 24 hours
Weeks to months
Paperwork
About 3 months bank statements
Tax returns, financials, more
Credit
FICO 500+ considered
Strong credit usually expected
Cost visibility
Full repayment amount shown up front
Varies by lender and product
Amounts
$25K to $5M
Depends on bank and collateral

Get the equipment working for you

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

Apply for Funding