How fast can this genuinely fund?

Same-day approval is realistic when we have three to six months of bank statements and the repair quote in hand. Funding typically lands two to five business days after approval, and faster when we can pay the vendor directly.

Should I finance a repair or replace the equipment outright?

Run the arithmetic on remaining useful life. If a rebuild buys two years on a machine with ten years of life left, repair is usually right. If it buys six months on an obsolete unit, financing the replacement through equipment financing at a lower rate and longer term is the better structure.

We have an insurance claim pending. Should we wait?

Not if the downtime is costing you daily. Funding now and applying the insurance proceeds against the balance when they arrive is a common and sensible pattern — tell us the claim is pending and we will structure for early payoff without penalty.

Is emergency capital more expensive?

Speed carries a cost, and files assembled in a day have less underwriting depth behind them. Compare it to the downtime cost, not to your best-case bank rate — in this scenario that comparison is usually decisive.

Emergency capital

Emergency Working Capital When Critical Equipment Fails

When the machine that produces your revenue stops, every day has a measurable cost and the finance question becomes purely arithmetic: is the cost of capital smaller than the cost of downtime? It usually is, by a wide margin. What kills businesses in this scenario is not the price of the money — it is spending three weeks shopping for a better rate while the line sits idle.

Quick answer

Fast working capital when critical equipment fails. Cover emergency repair or replacement in days, not weeks, and keep production running.

Get a structure for this situation

Two quick steps. An advisor responds within 24-48 hours.

You are probably here because

A production machine, refrigeration system, or primary vehicle failed without warning

Repair or replacement is five or six figures and insurance will not cover it or will not pay quickly

Every day of downtime has a quantifiable revenue cost you can already calculate

Your bank needs two to four weeks and the equipment needed to be running yesterday

How we structure it

Facility size$50K – $5M

Term6 – 36 months

Approval speedSame-day to 48 hours on complete files

Time to fund2 – 5 business days

What we need to give you an answer

Have these together and you will know where you stand in 24-48 hours instead of three weeks.

Last 3-6 months of business bank statements — the fastest path to a same-day answer

The repair or replacement quote

A short, honest statement of the daily revenue cost of the downtime

Any insurance claim status, since a pending claim can change the structure and the term

How it played out

$41,000 a day of downtime versus the cost of moving fast

A food processor lost its primary filling line on a Thursday. Replacement was $680,000 with a four-week lead time; an emergency rebuild was $185,000 and could be done in nine days. Downtime was costing roughly $41,000 a day in lost production. We placed $250,000 within four hours of receiving bank statements, with the rebuild contractor funded on Monday. Total financing cost over the term was a fraction of one week of downtime.