Equipment financing for trucks, working capital for fuel and payroll, and factoring for slow-paying brokers. Keep debt matched to each asset's life.
Check my optionsTrucking and logistics
Fleet owners juggle three different money needs: acquiring trucks, keeping them running and covering the cash gap while brokers and shippers pay. Each fits a different product, and mixing them up is expensive.
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.
Your file goes to funders that fit it, so offers can be compared.
Approved files are usually funded the next business day.
A human reads the file, not just an algorithm score.
Advances, lines of credit and second-position options in one place.
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.
Acquisition is best financed over the useful life of the equipment. Equipment loans and leases for tractors and trailers spread payments over several years and use the truck as collateral, which keeps costs lower than unsecured products. Lenders look at the equipment age and value, your time in business, credit and sometimes your CDL history and contracts.
Maintenance and unexpected repairs are a different need. A blown engine or a new set of tires can idle a truck that is earning revenue every day it runs. Here speed matters more than term, and revenue-based funding or a merchant cash advance sized on deposits can arrive within days. A business line of credit, if you qualify, is a cheaper way to keep a repair reserve on standby.
The receivables gap is the third need. Freight factoring converts delivered loads into cash in a day or two, based mainly on the broker credit. Fuel cards with discounts and payment terms reduce the strain of the largest weekly expense.
Growth strategy matters too. Adding trucks should follow committed freight, not precede it, and each new unit should have a payment comfortably below the revenue it will generate. Note that some funders restrict certain trucking segments, such as single-truck long-haul operations, so applying through a marketplace like MFE, which reaches multiple funders with credit from 500 considered, helps you find those that fit your operation.
Here is how a short-term repair advance might be sized for a fleet. Illustrative numbers.
| Amount funded | $25,000 |
| Factor rate | 1.25 |
| Total payback (amount × factor) | $31,250 |
| Fees deducted at funding (3%) | $750 |
| Net cash you receive | $24,250 |
| Weekly payment over 48 weeks | $651 |
| Same total as daily debits (~240 business days) | $130/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Buying tractors and trailers | Equipment loan or lease |
| Emergency repairs | Revenue-based funding or line of credit |
| Waiting on brokers | Freight factoring |
| Fuel | Fuel card with terms |
| Insurance and permits | Line of credit or planned reserve |
Good fit:
Probably not yet:
Equipment financing or leasing, secured by the truck, is usually cheaper than unsecured capital.
Revenue-based funding or a line of credit draw can arrive within days.
For fleets waiting 30-60 days on brokers, it often stabilizes weekly cash flow.
No, some restrict certain segments; comparing multiple funders helps.
Revenue-based options begin at 500; equipment lenders vary.
When committed freight will cover its payment with room to spare.
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