Merchant Fund Express
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Funding for a Big Freight and Logistics Contract

Staff up, add equipment and cover startup costs for a new account. Funding from $25,000 to $5,000,000 for carriers, 3PLs and brokers.

Fund the Contract

Freight Contract Funding

Be ready on day one of the new account

A large freight contract means spending before the first invoice clears. We help logistics operators carry those costs and hit the go-live date.

As fast as
24 hours

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.

Contract funding on your timeline

Minutes to apply

About 5 minutes to apply with three months of statements. Funding in as little as 24 hours for qualified businesses.

Credit flexibility

FICO 500+ is considered. Your existing deposits weigh heavily in the review.

Clear numbers first

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

Plan against payment terms

The repayment schedule is laid out up front, so you can line it up with the customer's terms.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

The win is the easy part

Landing a dedicated regional route, a retailer's distribution program or a manufacturer's warehousing account is a big moment. Then the work starts. You may need more trucks, more drivers, a bigger dock crew, extra insurance and supplies staged before the first load moves, while the customer pays on terms after the work is done. Funding for a big contract in freight and logistics bridges the stretch between signing and getting paid.

Costs that show up before the first invoice

  1. Equipment: trucks, trailers, forklifts or reefer units for the new lanes or volume.
  2. People: drivers, warehouse staff and dispatch hired and trained in advance.
  3. Insurance and compliance: added coverage the customer requires.
  4. Fuel and supplies: to run the first weeks of the program.
  5. Space: additional warehouse or yard capacity.

Add these up, then compare them to the customer's payment terms. The difference is what you need to carry.

How funders view a new contract

A signed agreement is encouraging, but the decision rests mostly on your existing business: about three months of bank statements, how steady your deposits are, and what you already owe. That keeps the process quick and means a brand-new account does not have to be proven before you can prepare for it. No tax returns are required, FICO 500+ is considered, and we start with a soft credit pull. Sole proprietors can apply.

We work with regional and local carriers, warehousing, 3PL and brokerage operations. We do not promise funding for long-haul trucking.

Structuring funding around the contract

Equipment the contract requires can go through equipment financing for freight and logistics. Startup labor, fuel and insurance fit working capital. If the customer's payments are slow but steady, a line of credit can cover each billing cycle. Comparing options? See line of credit vs. merchant cash advance for freight.

Move before the start date

Large accounts have hard go-live dates. Our application takes about 5 minutes, and funding can arrive in as little as 24 hours for qualified businesses. Your offer shows the full repayment amount and schedule before you accept, so you can check it against the contract's payment terms.

Frequently Asked Questions

Do I need to send the contract?

Not to apply. Having it nearby helps you size the request, but the review relies mainly on your bank statements and current obligations.

The customer pays on long terms. Is that a problem?

Long payment terms are exactly why many operators seek contract funding. Plan the request to cover the period before payments arrive.

Can the funds cover new drivers and training?

Yes. Hiring and training ahead of a go-live date is one of the most common uses.

Can a broker apply for contract funding?

Yes. Freight brokers, 3PLs, warehouses and regional carriers can all apply.

What range of funding is available?

Funding runs from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.

Is long-haul trucking eligible?

We focus on regional and local carriers and logistics services, and we do not promise funding for long-haul trucking.

Added trucks $150,000.00
Driver hiring $42,000.00
Insurance add-on $19,000.00
Startup fuel $24,000.00

Example uses for illustration only.

How to improve your chances

These steps make a contract funding request clearer.

  • Total all costs due before the first payment
  • Note the customer's payment terms
  • Split equipment from operating costs
  • Keep all receipts in one business account

Contract funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
May miss go-live date
Application
About 5 minutes
Extensive package
Documents
About 3 months of statements
Tax returns, contracts
Credit
FICO 500+ considered
Usually strong credit
First check
Soft credit pull
Hard inquiry

Hit the go-live date ready

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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