Yes. Working capital or invoice factoring bridges 60-day terms so drivers are paid weekly while receivables catch up.
Check my optionsTrucking and logistics
A fleet that pays drivers every week but waits 60 days for shippers or brokers is financing roughly two months of operations. Invoice factoring and working capital can bridge that gap so payroll never depends on when a customer pays.
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.
Net cash, total payback and payment shown before you sign.
Existing balances of $100,000 or less can be bought out.
Approved files are usually funded the next business day.
A person reviews your revenue, time in business and bank activity, often within hours.
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.
Measure the gap. Multiply weekly payroll, fuel and other weekly costs by the number of weeks between delivery and payment. A fleet with $20,000 a week in payroll and fuel and 60-day terms may carry roughly $170,000 of costs before the first related payment arrives. That figure, not one week of payroll, is the working capital need.
Factoring fits ongoing gaps. Selling delivered-load invoices to a factor brings most of their value within a day or two, so each week of loads funds the next week of payroll. Costs depend on volume and customer credit; review recourse terms and whether all invoices from a customer must be factored. Factoring scales naturally as freight grows.
Working capital fits spikes and one-time needs, such as onboarding drivers for a new contract or covering payroll while a large customer transitions to longer terms. Revenue-based funding is sized on deposits, considers credit from 500 and can fund the next business day; choose weekly payments that match settlement cycles.
Negotiate where you can. Some shippers offer quick-pay for a discount; some contracts can be renegotiated toward shorter terms or partial advances for long hauls. Even shortening terms from 60 to 45 days reduces the amount you finance by a quarter.
Keep payroll taxes current throughout. Using withheld taxes to make payroll creates IRS liabilities and liens that make every future funding application harder.
MFE reaches multiple funders that work with transportation companies through one application.
Fuel is often the second-largest weekly cost after payroll. Fuel cards with discounts and weekly billing, or factoring programs that include fuel advances, reduce how much of the gap must be financed separately and can lower total funding cost.
Here is working capital sized to a fleet payroll spike. Illustrative numbers.
| Amount funded | $100,000 |
| Factor rate | 1.35 |
| Total payback (amount × factor) | $135,000 |
| Fees deducted at funding (4%) | $4,000 |
| Net cash you receive | $96,000 |
| Weekly payment over 52 weeks | $2,596 |
| Same total as daily debits (~260 business days) | $519/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Measure the gap | Weekly costs x weeks to payment |
| Factoring | Ongoing gap, scales with freight |
| Working capital | Spikes and new contracts |
| Quick-pay or shorter terms | Reduce the gap |
| Payroll taxes | Always keep current |
Good fit:
Probably not yet:
Yes, with factoring for ongoing gaps or working capital for spikes.
Weekly costs multiplied by weeks between delivery and payment.
For ongoing gaps, often; advances suit one-time spikes.
Sometimes, through quick-pay or renegotiation.
Weekly payments often match freight settlement cycles.
Revenue-based options begin at 500.
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