The best MCA for a trucking company understands freight cash cycles: weekly settlements, factoring liens, broker payment terms and costly downtime. Look for weekly payments, clear handling of factoring arrangements and written total cost, and compare more than one funder because some restrict certain trucking segments.
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Trucking businesses have distinctive underwriting factors: authority age, fleet size, freight concentration and factoring arrangements. A provider that understands these can size and structure an advance that keeps trucks moving without straining weekly cash.
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 person reviews your revenue, time in business and bank activity, often within hours.
Approved files are usually funded the next business day.
Your file goes to funders that fit it, so offers can be compared.
You can apply at 500; stronger credit opens more products.
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.
Provider details summarize each company’s public website, checked October 2026. Terms change; confirm directly.
Segment fit comes first. Some funders limit or decline certain trucking segments, such as new authorities or single-truck long-haul operations, while others specialize in transportation. Comparing several funders through one application improves the chance of finding one whose criteria fit your operation.
Factoring handling matters. Many carriers factor their invoices, and factors typically hold a lien on receivables. A good provider asks about the factoring arrangement, sizes the offer on deposits after factoring and coordinates rather than conflicting with the factor rights.
Payment timing should match freight cycles. Weekly payments timed after factoring or carrier settlements generally fit better than daily debits. Ask whether reconciliation is available for slow freight weeks.
Use-case speed matters in trucking. A truck parked for an engine or transmission repair, or an insurance renewal due, costs revenue every day. Providers that can decide the same day with complete documents, and fund the next business day, are valuable when the use is urgent and defined.
Check existing obligation options. Carriers with an active advance should look for structured second-position offers or buyouts of up to $100K rather than uncoordinated stacking.
Our list below summarizes each company from its own public website; MFE considers credit from 500 and reaches funders that work with trucking.
Carriers should also check how a funder treats fuel advances and lumper reimbursements that pass through the account. These deposits are real cash movements but not revenue in the usual sense; a funder that separates them will size the offer more accurately and avoid overstating capacity.
Ask, too, how the provider handles a truck being out of service for an extended repair. Agreements that allow documented reconciliation when a unit is down protect small fleets far better than fixed debits that continue regardless of revenue.
Here is a weekly-payment advance for a carrier repair. Illustrative numbers.
| Amount funded | $125,000 |
| Factor rate | 1.38 |
| Total payback (amount × factor) | $172,500 |
| Fees deducted at funding (4%) | $5,000 |
| Net cash you receive | $120,000 |
| Weekly payment over 26 weeks | $6,635 |
| Same total as daily debits (~130 business days) | $1,327/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Segment fit | Authority age, fleet size, haul type |
| Factoring | Disclosed and coordinated |
| Payment timing | Weekly after settlements |
| Speed for urgent repairs | Same-day decision, next-day funding |
| Existing advance | Second position or buyout |
Good fit:
Probably not yet:
One that fits your segment, coordinates with factoring and offers weekly payments.
No, some restrict certain segments; compare several.
Often, if the factoring arrangement is disclosed.
Yes, and they often match freight cycles.
Consider structured second position or a buyout.
From each company public website, checked October 2026.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding