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Emergency repair funding to get you back open fast

Broken compressor, flooded floor, dead lift. Apply in 5 minutes and get a quick answer. For established businesses doing $60K+ a month.

Fix it now

Emergency Repair Funding

Every closed day costs money. Shorten the list.

Repair funding comes through our partner, Merchant Fund Express. Qualified businesses can be funded in as little as 24 hours, so the fix does not wait on a bank.

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.

When something breaks, here is the plan

Fast enough for a breakdown

Quick decisions and funding in as little as 24 hours for qualified businesses.

No paperwork scramble

A 5-minute application and about 3 months of bank statements. No tax returns required.

Credit flexibility

FICO 500+ is considered, starting with a soft pull. Your revenue carries weight.

No surprises on top of the repair

Your offer shows the full repayment amount and schedule before you accept. No surprise costs after you sign.

Every day down costs you

When the walk-in fails, food spoils by the hour. When the main lift breaks, cars pile up in the lot. When a pipe bursts over the sales floor, you are closed until it is dry. The repair bill is one cost. The lost sales are the other.

Emergency repair funding is about getting back to work. Qualified businesses can be funded in as little as 24 hours, and decisions move fast.

What owners use it for

If you need to replace the item rather than repair it, look at equipment financing.

Here is what to do right now

  1. Get a written repair estimate from the contractor or technician.
  2. Download about three months of business bank statements.
  3. Fill out the 5-minute application.
  4. Answer any follow-up from Merchant Fund Express quickly.
  5. Line up the repair crew so work can start once funds land.

An example

For illustration: a bakery doing $65,000 a month loses its main deck oven on a Tuesday. The repair quote is $28,000. Insurance will take weeks to sort out. Working capital covers the repair so the bakery is producing again while the claim works its way through. Example only, not our terms.

When insurance and the bank are both slow

Insurance claims take time. Bank loans take time and often end in a no over a credit score. Through our partner Merchant Fund Express, the review starts with your deposits. FICO 500 and up is considered, there is a soft credit pull to start, and no tax returns are needed.

Funding ranges from $25,000 to $5,000,000. Most repair needs fit working capital. If you want a standing cushion for the next surprise, consider a business line of credit.

Who this is for

Established businesses doing $60K or more a month. Restaurants, auto shops, medical offices, retailers, salons and commercial contractors all use it. Sole proprietors can apply. Industry pages: restaurants, auto repair.

Frequently Asked Questions

How fast can I get repair money?

Decisions move quickly, and qualified businesses can be funded in as little as 24 hours. Speed depends on your file and your bank.

Can I use funding while I wait on an insurance claim?

Yes. Many owners use funding to get the repair done now rather than staying closed while a claim is processed.

Do I need the repair estimate to apply?

Not to apply, but it helps you request the right amount. The review is based mainly on your bank statements.

My credit is not great. Does that matter in an emergency?

FICO 500 and up is considered. The review focuses on your business revenue and deposits.

Is there a minimum repair amount?

Funding starts at $25,000. If your repair costs less, you may want to include other operating needs in the same request.

Walk-in cooler $18,000.00
Roof leak $42,000.00
HVAC unit $26,500.00
Delivery van fix $9,500.00

Example uses for illustration only.

How to improve your chances

Be ready before the next breakdown with these steps.

  • Keep deposits flowing through one business account
  • Hold down NSFs and negative-balance days
  • Get a written repair quote as soon as you can
  • Keep 3 months of statements saved where you can grab them

How Lucky repair funding compares to waiting on a bank loan

Lucky Business Funding
Traditional bank loans
Speed
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
First check
Soft pull to start
Hard pull common
Cost clarity
Full repayment amount shown up front
Rate, fees and fine print

Get it fixed and get back to business.

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

Apply for Funding