Merchant Fund Express
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Payroll Funding for Freight and Logistics

Pay drivers and crews on time while shipper invoices catch up. Funding from $25,000 for regional carriers, warehouses and brokers.

Cover Payroll

Freight Payroll Funding

Close the gap between delivered loads and paid invoices

Freight work gets paid late and labor gets paid on schedule. We help logistics operators fund payroll so slow receivables do not slow the crew.

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.

Payroll help built around freight cash flow

Apply in minutes, not weeks

A 5-minute application with about three months of statements. Funding in as little as 24 hours for qualified businesses.

More than a credit score

FICO 500+ is considered. Steady deposits from shippers and brokers count for a lot.

No guessing on cost

Your offer states the full repayment amount before you accept, with no surprise costs after you sign.

Payments mapped out

The repayment schedule is in the offer up front, so you can line it up with your receivables.

Cash flow tight this month?

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.

Payroll runs weekly. Shippers pay when they pay.

Regional carriers, local delivery outfits, warehouses and freight brokers all share one headache: labor is paid on a fixed cycle, while customers settle invoices on their own schedule. A few slow-paying shippers in the same month can leave a gap between the loads you have already run and the payroll you owe on Friday. Payroll funding for freight and logistics businesses is built to cover that gap so your drivers, dock workers and dispatchers are paid on time.

Why payroll gaps hit logistics so hard

None of this means the business is struggling. It means cash is tied up in receivables.

What we review

We focus on established businesses with steady deposits. The main inputs are about three months of business bank statements and what you already owe on other financing. No tax returns are required. FICO 500+ is considered and the process starts with a soft credit pull. Sole proprietors, including owner-operators running a small local fleet, can apply.

We work with regional and local carriers, warehousing and brokerage operations. We do not promise funding for long-haul trucking operations, and every file is reviewed on its own merits.

Matching the product to your pay cycle

If payroll gaps come and go, a business line of credit for freight and logistics lets you draw for the week you need it. A one-time crunch is often handled with working capital. Operations with steady card or ACH receipts may look at revenue-based financing, where payments follow incoming revenue.

Getting started

The 5-minute application asks for the basics about your operation. Once statements are in, decisions move quickly, 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 anything.

Frequently Asked Questions

Can I use the funds only for payroll?

Payroll is the most common use on this page, but the funds can also cover fuel, payroll taxes due with the run, or other operating costs.

Do you fund long-haul trucking companies?

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

Do my shippers need to be involved?

No. The review is based on your business bank statements and existing obligations, not on contacting your customers.

I am a sole proprietor with three trucks. Can I apply?

Yes. Sole proprietors can apply, and the review looks at your business deposits.

Will applying affect my credit?

The process starts with a soft credit pull, so you can see where you stand before anything else happens. Your offer then shows the full repayment amount before you accept.

How much should I request?

Start with the gap between payroll dates and expected customer payments. The amount offered depends mainly on your deposits and current obligations.

Weekly payroll $48,000.00
Peak overtime $22,000.00
New hires $30,000.00
Payroll taxes $15,500.00

Example uses for illustration only.

How to improve your chances

A little preparation helps a payroll request go smoothly.

  • Run all receipts through one business bank account
  • Keep an aging list of open shipper invoices
  • Know your exact payroll amount and dates
  • List any current financing and its payments

Payroll funding: us vs. a bank loan

Merchant Fund Express
Traditional bank loans
Time to apply
About 5 minutes
Days of paperwork
Docs required
About 3 months of statements
Tax returns, AR reports
Credit
FICO 500+ considered
Usually strong credit
Funding time
As little as 24 hours if qualified
Often weeks
First credit check
Soft pull
Hard inquiry

Make Friday payroll a non-event

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

Apply for Funding
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