Draw funds for fuel, repairs, and payroll when you need them. Built for regional and local carriers. FICO 500+ considered, soft pull to start.
Apply in MinutesBusiness Line of Credit
Repairs, renewals, and slow payers rarely give notice. A business line of credit keeps cash ready so your carrier can respond the same week, not the next month.
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 roughly three months of bank statements. Qualified carriers can be funded in as little as 24 hours.
FICO scores of 500 and up are considered, with your freight deposits weighed heavily.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is set out in your offer up front so draws never catch you off guard.
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 costs rarely arrive on a neat schedule. A blown turbo one month, an insurance renewal the next, a broker who pays late in between. A business line of credit gives a regional or local carrier a set amount of available funds to draw from when those moments hit, instead of applying for new funding every time.
You draw what you need, repay on the schedule in your agreement, and keep the rest available. It is a practical fit for operations whose expenses are frequent and uneven.
We look mainly at your business bank deposits: how steady they are, how many customers they come from, and what obligations you already carry. FICO scores of 500 and up are considered, and the first credit check is a soft pull. We ask for about three months of statements and do not require tax returns.
Sole proprietors can apply, which matters for owner-operators running under their own authority with a small fleet.
When a single large repair or a truck purchase is the real need, equipment financing for trucking may be a cleaner match. For urgent breakdowns, see trucking emergency funding.
A line is flexible and reusable. An MCA is a lump sum tied to future revenue. Neither is right for every carrier. We break it down on our line of credit vs MCA for trucking page, and you can read about the business line of credit in general.
The application takes about five minutes. If you qualify, your offer spells out the full repayment amount and the repayment schedule before you accept. Credit limits within our $25,000 to $5,000,000 range depend on your deposits and existing obligations, and qualified businesses can be funded in as little as 24 hours.
Our trucking lines are designed for regional and local carriers. Share your operation details when you apply and we will review fit.
It depends mostly on your deposit history and current obligations. Steady, diversified revenue usually supports a larger line.
Your agreement explains how draws and repayment work. Review the offer before you accept so you know exactly how costs apply.
No. We start with a soft pull. FICO 500 and up is considered.
Yes, sole proprietors can apply. Established, steady deposits are what we look for.
Example uses for illustration only.
These moves help carriers qualify for a stronger line.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding