Credit dinged by slow brokers or a rough season? We consider FICO 500+ and look closely at your regional freight deposits.
See What I Qualify ForBad Credit Funding
We review about three months of business bank statements to understand how your regional or local freight operation actually performs, then size options around that.
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.
A 5-minute application and about three months of bank statements. Funding in as little as 24 hours if qualified.
Credit is weighed alongside deposits, obligations and account history, not on its own.
The full repayment amount appears in your offer before you accept. No surprise costs after you sign.
Your offer spells out the payment schedule up front so you can test it against slow weeks.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Plenty of solid freight operators have bruised credit. A slow-paying broker, a bad winter, a truck that ate its engine at the wrong moment. Those things leave marks on a credit report even when the business underneath is sound.
We consider applicants with FICO 500+. Credit is one part of the picture. It does not decide the outcome on its own, and it is not the only thing we look at.
When credit is weaker, the rest of the file carries more weight. Funders generally look at:
There is no single factor that makes or breaks a file. Our freight and logistics qualification guide goes deeper.
Depending on your deposits and needs, options can include working capital, a merchant cash advance for freight and logistics, or revenue-based financing. Each is sized mainly from your bank activity. We work with regional and local operators and do not offer funding for long-haul trucking.
The application takes about five minutes and starts with a soft credit pull, so you can see where you stand without adding a hard inquiry. No tax returns are required, and sole proprietors can apply.
When an offer comes in, check the full repayment amount and the payment schedule, both of which are shown before you accept. With credit already stretched, picking a payment you can carry through a slow week matters more than taking the largest number.
Funding that is sized sensibly and paid on schedule can help a freight business steady itself. Keep the account clean, keep deposits flowing through one place, and avoid stacking new obligations on top of each other. Over time, a cleaner bank history gives any funder more to work with, whether you come back to us or go elsewhere.
FICO 500+ is considered. Your score is weighed with deposits, existing obligations and account history.
It depends on the full picture. Funders look at how the business is performing now alongside past credit issues.
No. We start with a soft credit pull.
We do not offer funding for long-haul trucking. We focus on regional and local freight and logistics businesses.
No tax returns are required. About three months of business bank statements is the main document.
You can apply. Existing obligations are part of the review, since they affect how much room your deposits have.
Example uses for illustration only.
These honest steps can help a file with weaker credit.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding