Cooler Down? Fund the Fix or Replacement Today

Walk-in cooler, freezer, hood, or HVAC just quit — and every hour is lost inventory and a health-code clock ticking. Get $15K–$75K to repair or replace it, funded in as little as 24 hours. Approved on your deposits, not your credit score.

The compressor quit and the clock is already running

Your walk-in cooler is climbing past 41°F. Or the freezer defrosted overnight and there's a puddle under the line. Or the hood system red-tagged and now you legally can't fire the range. This isn't a "get three quotes next week" problem — it's inventory spoiling by the hour, a health inspector who can shut you down, and a service tech standing there saying the part won't be cheap.

The repair company wants a deposit before they order the compressor. Equipment financing takes days and pulls hard on your credit. And your card is already tight from the last slow month. You don't need a lecture on cash flow — you need the walk-in cold again before dinner service.

How emergency equipment funding works

• 1. Apply in minutes. Fill out the online application and send your last few months of business bank statements. No collateral for working capital, no tax returns to dig up. It's a soft credit pull to check — it does not ding your score.
• 2. We look at deposits, not your FICO. Approval is based on the revenue flowing through your business, so a real restaurant with a 520 credit score and steady sales still qualifies. We're reading your bank statements, not your credit report.
• 3. Money hits your account, you pay the tech. Funds go to your business account so you can cover the repair OR a full replacement — and pay the service company their deposit today, not after underwriting drags on.

A real example

Say a taqueria's walk-in cooler compressor dies on a Tuesday morning. The refrigeration company quotes $18,000 to replace the condensing unit and evaporator — with $6,000 due to order parts that day. The owner's personal credit is a 540 after a rough winter, so equipment financing wants a week and a hard pull. Instead, statements go in that morning showing $70K a month in card and cash deposits. Approved on the deposits, $25,000 funds by that afternoon — enough to pay the deposit, cover the full repair, and restock the walk-in. Cold by Wednesday's lunch rush, no closed sign, no lost weekend.

That's the whole point: when the number is "$15K–$75K" and the timing is "today," revenue-based funding beats equipment financing on speed and beats your credit card on room.

Who qualifies

• Restaurants, food trucks, bakeries, cafes, bars, catering, and any food business with a physical operation
• At least a few months in business with steady deposits
• FICO 500+ (we check with a soft pull)
• Funding from $10K up to $5M depending on your revenue — this page's repair/replacement range typically lands $15K–$75K

Straight answers

Will checking hurt my credit?

No. Checking your options is a soft credit pull — it does not affect your score. A hard pull only happens later if you move forward and accept an offer.

My credit is bad. Can I still get funded for the cooler?

Yes. This is revenue-based. We approve on the deposits in your business bank account, not your credit score. FICO 500+ works, and plenty of owners fund with credit in the 500s because their sales are solid.

How fast can I actually get the money?

Funding in as little as 24 hours. The honest rule: get your statements in and your agreement signed before early-afternoon ET on a weekday and same-day funding is realistic. Submit Friday afternoon and it's likely Monday — the ACH windows are closed over the weekend.

Does it cover a full replacement or just a repair?

Both. The funds land in your business account, so you decide — patch the compressor, replace the whole walk-in, drop in a new commercial freezer, or fix the hood/HVAC. Typical units in this range run $15K–$75K.

Why not just use equipment financing?

Equipment financing can be a fine tool when you have time — but when a cooler is down and the health clock is ticking, it's usually too slow and leans hard on your personal credit. We can move faster and approve on your revenue, which matters when the fix has to happen today.

Do I need collateral?

No collateral is required for working capital funding like this. We're not putting a lien on the equipment — we're advancing against your revenue.

Get the walk-in cold again

Don't watch inventory spoil while you wait on a slow lender. Send your statements, take the soft-pull check, and get $15K–$75K to repair or replace the unit — funded in as little as 24 hours. Apply now and get your kitchen back open.