Finance $10,000 to $5,000,000 in business equipment for your California company. Terms from 12 to 60 months with rates starting at 5.99%. Equipment serves as collateral — no additional assets required.
Equipment Financing Available for California Businesses
From Application to Approval Decision
Starting Rate
equipment financing (RBF) is a modern funding solution that gives California business owners access to capital based on their monthly revenue. Unlike a merchant cash advance that takes a percentage of your daily credit card sales, RBF provides a lump sum with fixed daily or weekly ACH payments drawn from your business bank account. Your payment amount is set upfront based on your revenue history — simple, predictable, and no credit card processing required.
This makes equipment financing ideal for California businesses across every industry — whether you're a tech company in Silicon Valley upgrading servers, a Central Valley farm purchasing harvesters, or a Los Angeles production company acquiring cameras and lighting. Because the equipment secures the financing, approval rates are high and rates are competitive.
At Merchant Fund Express, we have helped thousands of California businesses finance equipment ranging from ,000 to ,000,000. Our approval process takes just 24 hours, with rates starting at 5.99% and terms up to 60 months.
Join thousands of California businesses that trust Merchant Fund Express
Start Your ApplicationOr call (305) 384-8391
3-minute application. Basic business info and 3 months of bank statements.
24-hour decision. Our team reviews your revenue, not just your credit.
Funds deposited directly to your bank account within 48 hours.
Use funds for anything — equipment, payroll, inventory, marketing, expansion.
California's economy is the largest in the nation, with a GDP exceeding .6 trillion and over 4 million small businesses. From Silicon Valley's tech sector to the Central Valley's agriculture, Los Angeles' entertainment industry to San Diego's biotech corridor — California businesses constantly need updated equipment to stay competitive.
The equipment you're financing serves as collateral. No need to pledge personal assets or business property.
Get approved in 24 hours, funded in 48. Banks take 6-8 weeks for the same decision.
Rates starting at 5.99% with terms from 12 to 60 months. Predictable monthly payments.
Finance equipment from ,000 to ,000,000 for any business purpose.
| Approval Time | 24 Hours | 2-6 Weeks | 30-90 Days |
| Funding Speed | 48 Hours | 2-4 Weeks | 60-90 Days |
| Credit Score Min | 550+ | 680+ | 680+ |
| Collateral | None Required | Usually Required | Often Required |
| Flexible Payments | Flexible Payments | No — Fixed Monthly | No — Fixed Monthly |
| Documentation | Bank Statements Only | Tax Returns, Financials, Business Plan | Extensive Package |
| Approval Rate | ~85% | ~20% | ~15% |
| Use Restrictions | None | Often Restricted | Restricted |
See how much you qualify for in under 3 minutes
Get Your Free Quote (305) 384-8391A growing SaaS company in San Jose needed 0,000 in server and networking equipment to scale their infrastructure. With equipment financing through MFE, they secured a 48-month term at competitive rates with
A family-owned farming operation in Fresno financed 0,000 in harvesting and irrigation equipment. The 60-month term with seasonal payment flexibility allowed them to align costs with harvest cycles and expand their acreage by 40%.
0,000 Funded 60-Month TermAn independent production studio in Los Angeles secured 5,000 to finance cinema cameras, lighting rigs, and post-production workstations. Equipment financing let them take on larger contracts without depleting their operating budget.
5,000 Funded 36-Month TermA commercial construction company in Sacramento financed
A Los Angeles-area auto parts manufacturer needed capital to purchase new CNC equipment to fulfill a major OEM contract. Traditional banks wanted 8 weeks for approval — the contract deadline was in 3 weeks. Merchant Fund Express approved $450,000 in just 22 hours.
Result: $1.2M in new annual revenue from the contract
A three-location restaurant group in San Francisco wanted to open their fourth location. The owner had a 590 credit score from pandemic-era debt — every bank said no. Merchant Fund Express approved $200,000 with revenue-based repayment that adjusted to their seasonal ups and downs.
Result: New location profitable within 90 days
A commercial construction firm in San Diego won a $3M university project but needed working capital for materials and crew mobilization. equipment financing gave them $300,000 in 48 hours with payments that scaled with their project billing cycle.
Result: Completed project on schedule, landed 2 more university contracts
Specific requirements vary by funding amount. Apply to see what you qualify for — no obligation, no impact to your credit score to check.
California businesses get approved in 24 hours. Apply now or call us.
Start Your ApplicationOr call now: (305) 384-8391
Speak with a funding specialist today. No obligation, no impact on your credit score.