Merchant Fund Express
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Emergency Funding for Freight and Logistics

Accident, late shipper payment or sudden breakdown? Stabilize the operation with funding from $25,000 and a 5-minute application.

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Freight Emergency Funding

Steady the business while you fix the problem

Freight emergencies stack up fast. We help regional carriers, warehouses and brokers cover the immediate costs and keep loads moving.

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.

Emergency help that stays clear

Fast with little paperwork

Apply in about 5 minutes with three months of statements. Funding in as little as 24 hours for qualified businesses.

Credit dips considered

FICO 500+ is considered. Your deposit history counts for a lot when credit is bruised.

See the full cost first

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

Know every payment ahead

The repayment schedule is in the offer up front, so you can test it against a normal week.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

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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.

When something goes wrong all at once

Logistics emergencies tend to stack. A truck is involved in an accident, the insurance deductible is due, the load has to be re-delivered, and the customer is waiting. Or a major shipper delays payment for a month while your fuel card, payroll and lease keep coming due. Emergency funding for freight and logistics gives you cash to stabilize the operation while you sort out the cause.

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

Situations that call for emergency funds

Fast, but not careless

In an emergency, it is tempting to sign the first offer you see. Take a few minutes to check two things: the total amount you will repay, and the payment schedule. Every offer from us shows both before you accept, with no surprise costs after you sign. Then ask whether the payments fit your deposits on a normal week, not your best week.

If cash will stay tight for a while, a line of credit for freight and logistics can be easier to manage than a single lump sum. For a one-time hit, working capital is usually simpler.

What we need from you

The application takes about 5 minutes and starts with a soft credit pull. Send about three months of business bank statements; no tax returns are required. FICO 500+ is considered, so a credit dip from the same crisis does not automatically end the conversation. Sole proprietors can apply. Decisions move quickly, and funding can arrive in as little as 24 hours for qualified businesses. For credit-specific questions, see bad credit options for freight and logistics.

Once the dust settles

After an emergency, review what made it hurt: a single customer that was too large a share of revenue, no repair reserve, or insurance gaps. Our freight and logistics cash flow guide has practical ways to build a buffer for next time.

Frequently Asked Questions

Can I apply while an insurance claim is still open?

Yes. Many operators use emergency funds to cover deductibles, rentals and lost time while a claim is processed.

A big customer has not paid. Can I still apply?

Yes. The review looks at your deposits and existing obligations. A late customer payment is a common reason operators seek emergency funds.

How quickly can funds arrive?

Funding can arrive in as little as 24 hours for qualified businesses once the review is done.

Does a recent credit dip disqualify me?

FICO 500+ is considered, and funders weigh your deposit history heavily alongside credit.

Do you fund long-haul carriers in an emergency?

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

Accident costs $22,000.00
Late shipper gap $55,000.00
Storm damage $31,000.00
Rental units $12,000.00

Example uses for illustration only.

How to improve your chances

These steps help in a crunch and after it.

  • List every cost the emergency created
  • Check offers against a normal week of deposits
  • Keep claim and repair paperwork organized
  • Build a small reserve once things settle

Emergency funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Weeks of review
Paperwork
About 3 months of statements
Tax returns and more
Credit
FICO 500+ considered
Recent dips can stall it
First check
Soft credit pull
Hard inquiry
Cost clarity
Full repayment shown first
Varies by product

Get your operation back on track

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

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