Your score is not the whole story. FICO 500+ considered, with your freight deposits weighed heavily. Soft pull to start, no tax returns.
Check My OptionsBad Credit Funding
Breakdowns and slow seasons dent credit. If your carrier is still hauling steadily, we look at the deposits that show it.
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.
About 5 minutes and roughly three months of statements. Qualified carriers can be funded in as little as 24 hours.
We weigh recent freight deposits and existing obligations alongside your score.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in your offer up front, so you can budget around it.
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.
Trucking is hard on credit. One bad season, a lost contract, or a string of expensive breakdowns can drag a score down even when the business is still running loads every week. Banks tend to stop reading at the score. We look further. FICO scores of 500 and up are considered, and your business bank deposits carry much of the weight in our review.
Credit tells us part of the story. Deposits tell us how the carrier is doing now. We look at how steady your freight revenue is, how many shippers and brokers it comes from, and what obligations you already carry. Recent consistent deposits can offset an older credit problem. We do not promise approval at any score, and we do not treat any one factor as an automatic yes or no.
The first check is a soft credit pull, so applying does not start with a hard inquiry.
For illustration: a local dump truck operator had a rough stretch two years ago and fell behind on a few accounts. Since then, the business has landed steady municipal and contractor work, and deposits have been consistent every month. In a file like that, we look hard at the recent revenue and current obligations, not just the old marks on the credit report. The outcome still depends on the full picture.
Funding ranges from $25,000 to $5,000,000 for established regional and local carriers.
Keep freight revenue in one business account, avoid stacking several new obligations at once, and be accurate about what you already owe. Our how to qualify for trucking funding page explains more of what funders look at.
The application takes about five minutes. Send about three months of business bank statements; no tax returns are required. Sole proprietors can apply. If you qualify, your offer shows the full repayment amount and schedule before you accept, and qualified businesses can be funded in as little as 24 hours.
We consider FICO scores of 500 and up. Your deposits and existing obligations are weighed alongside the score.
We start with a soft credit pull, which does not affect your score the way a hard inquiry can.
We review the full picture rather than ruling anything in or out automatically. Be upfront on the application.
Our trucking funding is built for regional and local carriers.
Pricing depends on your overall file. Whatever the offer, it shows the full repayment amount before you accept.
Example uses for illustration only.
Even with lower credit, these steps can help your file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding