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Equipment Funding — Merchant Cash Advance

MCA for Equipment:
Fund It in 24–48 Hours

Equipment loans require appraisals, 680+ FICO, and 2–4 weeks of approval time. MCA doesn't. If your equipment need is urgent, the deal is time-sensitive, or you don't qualify for equipment financing — MCA closes the gap in 24–48 hours.

Quick Answer

Yes — MCA proceeds can be used for any business equipment with no restrictions. Requirements: 500+ FICO, 6+ months in business, $4,000–$6,000+/month in deposits. No equipment appraisal, no lien on the equipment, no collateral. Funded in 24–48 hours. Any equipment type covered.

Equipment Types MCA Can Fund

Commercial kitchen equipment Walk-in coolers & freezers HVAC systems Medical & dental equipment Dental chairs & imaging Construction equipment Service vans & vehicles Roofing equipment Landscaping equipment Gym & fitness equipment Salon chairs & stations Barbershop stations POS & point-of-sale systems Computer & IT equipment Manufacturing machinery CNC machines Printing equipment Auto repair equipment Tire mounting machines Ovens & bakery equipment Espresso & coffee machines Laser engraving equipment

MCA Equipment Funding Timeline

Day 1 Morning
Apply
One-page application + 6 consecutive months bank statements
Day 1 Afternoon
Decision
Offer back within hours, sometimes same-day
Day 1–2
Contract
Sign funding agreement — no equipment appraisal needed
Day 2
Funded
Cash in your business account, buy equipment same day

vs. equipment financing: 2–4 week approval, appraisal required, equipment used as collateral, 620–680+ FICO minimum.

MCA vs Equipment Financing — Quick Comparison

Factor MCA Equipment Financing
Time to fund24–48 hours2–4 weeks
Credit required500+ FICO620–680+ FICO
Equipment collateralNone requiredEquipment is collateral
Equipment conditionAny — new or usedOften new only, or appraised
Documentation6 consecutive months bank statementsTax returns, invoice, appraisal
Minimum purchaseNo minimumOften $10,000–$25,000+
Use of fundsAny equipment, unrestrictedSpecific equipment only
CostFactor rate: 1.20–1.49xInterest: 6–20% APR

MCA Equipment Funding — Real Scenarios

Restaurant — Houston, TX
Commercial oven replacement — dead on Saturday
Double-stack commercial oven failed Saturday morning. Equipment company quoted $12,000 for a replacement. Equipment financing required 2 weeks. $18,000/month deposits, 561 FICO, 4 years. MCA funded Monday — new oven installed Tuesday. Back up Thursday.
✓ $14,000 — 36 hours
HVAC Company — Atlanta, GA
New diagnostic and recovery equipment before summer
HVAC contractor needed manifold gauges, recovery machines, and vacuum pumps before summer AC season. Total equipment: $9,500. Amount too small for most equipment lenders ($10K minimum). $14,000/month deposits, 548 FICO, 3 years. MCA funded in 24 hours — equipment deployed for summer season.
✓ $11,000 — 24 hours
Dental Practice — Phoenix, AZ
Used CBCT scanner — liquidation purchase, 72-hour window
Practice found used CBCT (3D dental imaging) scanner at liquidation price — $28,000 (retail $85,000). Seller's 72-hour window. Equipment financing required appraisal. $42,000/month deposits, 588 FICO, 7 years. MCA funded in 48 hours — scanner acquired at $57,000 below retail.
✓ $32,000 — 48 hours
Auto Shop — Chicago, IL
Hunter alignment machine — equipment loan denied (used)
4-post lift and alignment machine from retiring shop: $22,000. Equipment financing denied because used equipment didn't meet collateral standards. $21,000/month deposits, 572 FICO, 5.5 years. MCA funded the used equipment purchase — no equipment appraisal or lien required.
✓ $24,000 — 48 hours

When MCA is Better Than Equipment Financing for Equipment

Used or off-market equipment
Equipment lenders typically require new equipment or a formal appraisal on used equipment. Liquidation sales, auction purchases, retiring shop buyouts, and peer-to-peer equipment deals don't fit those requirements. MCA funds any purchase, no appraisal required.
Time-sensitive deals
An auction, liquidation window, or retiring competitor's deadline won't wait 2–4 weeks for equipment financing approval. MCA closes in 48 hours — the deal doesn't expire while you're waiting for a lender decision.
Small equipment purchases
Most equipment lenders have a $10,000–$25,000 minimum. A $4,000 commercial espresso machine, $7,500 salon package, or $9,500 diagnostic equipment set doesn't qualify. MCA has no minimum — the same underwriting process works for any amount above your qualifying threshold.
Credit below equipment loan floor
Equipment financing typically requires 620–680+ FICO. MCA qualifies at 500+ FICO. If your credit history has been damaged by medical bills, a prior business closure, or slow payments — MCA bridges the gap while you rebuild credit.
Emergency replacement
Equipment doesn't fail on a convenient schedule. A broken walk-in cooler on Friday, failed oven on Saturday, or dead HVAC in July can close your business for days or weeks. MCA fills the gap in 24–48 hours — before the loss compounds.
Equipment down payment
For large equipment ($50K+), MCA can serve as the down payment while equipment financing or an SBA loan closes. Get the equipment ordered, secured, or down-paid now — retire the MCA bridge when the equipment loan funds.

MCA for Equipment — FAQs

Can I use an MCA to buy business equipment?
Yes. MCA proceeds are unrestricted and can be used for any business equipment. No equipment appraisal, no lien on the equipment, no restriction on equipment type or condition. New, used, or refurbished equipment all qualify.
When is MCA better than equipment financing?
MCA wins when: the equipment is used or off-market; the deal is time-sensitive; your FICO is under 620; the purchase is under $25,000 (below most equipment loan minimums); or the equipment emergency can't wait 2–4 weeks for approval.
What are the MCA requirements for equipment purchases?
Same as any MCA: 500+ FICO, 6+ months in business, $4,000–$6,000+/month in deposits, 0–2 NSFs/month. No equipment appraisal, no lien, no collateral. Apply with one page and 6 consecutive months of bank statements.
How much can I get for equipment through MCA?
MCA advance amounts are based on your revenue, not the equipment value. Typically 75%–150% of your average monthly deposits. $20,000/month deposits may qualify for $15,000–$30,000. For larger needs, MCA works as a down payment or bridge while equipment financing or SBA processes.
Is there a minimum or maximum equipment purchase for MCA?
No minimum equipment purchase amount. Maximum advance is based on your revenue — most businesses qualify for up to $500,000, though the average first advance is $20,000–$80,000. Multiple funding positions (stacking) is possible for higher amounts with a proven track record.

Equipment Emergency or Time-Sensitive Deal?

One-page application, 6 consecutive months of bank statements. Decision in hours. Equipment funded in 24–48 hours. No appraisal, no collateral, no restrictions on equipment type.

Apply Now → MCA vs SBA Comparison

T.A.G. Business Funding

See If Your Business Qualifies

500 FICO minimum. Bank declines OK. Revenue matters more than credit score. Most decisions in 24 hours.

Apply Now → Call 330-238-3003
✓ No obligation ✓ Soft pull only ✓ Free to apply ✓ Bank declines welcome

500 FICO minimum  ·  $4K–$6K+/month revenue  ·  Funded in 1–3 days

Related Resources

MCA Research Center Readiness Guide (PDF)