Merchant Fund Express
(305) 384-8391Apply

Slow-Season Funding for Freight and Logistics

Keep your crew, trucks and warehouse ready while volume dips. Funding from $25,000 for regional carriers, warehouses and brokers.

Plan for the Dip

Freight Slow-Season Funding

Hold onto your team until the loads come back

Seasonal dips are part of freight. We help logistics operators carry fixed costs through quiet months so they are ready when shippers ramp up.

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.

A cushion for the quiet months

Quick to arrange

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

Seasonal patterns understood

FICO 500+ is considered, and funders look at the full deposit pattern, not one slow month.

Total cost up front

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

Repayment planned in advance

The schedule is laid out in your offer, so you know what is due as volume returns.

Need capital this week?

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 quiet months still have fixed costs

Freight is seasonal in ways outsiders do not see. Retail peak winds down, produce runs taper off, construction materials slow in cold weather, and January can feel empty after a hectic fourth quarter. Your truck notes, warehouse lease, insurance and core crew do not shrink with the load board. Slow-season funding for freight and logistics gives regional carriers, warehouses and brokers a cushion so a soft stretch does not cost you the people and equipment you need when volume returns.

Ways operators use slow-season funds

  1. Keeping experienced drivers and warehouse staff on payroll instead of laying them off
  2. Covering insurance renewals and registration that land in quiet months
  3. Catching up on maintenance while trucks have downtime
  4. Marketing to new shippers to fill the calendar
  5. Building fuel and supply reserves ahead of the next rush

How funders read a seasonal business

Funders do not expect flat deposits from a logistics company. What they look for is a pattern: strong months that reliably return, and existing obligations that fit the business. About three months of business bank statements is the core of the file. If your statements fall in a slow window, it can help to explain your busy season when you apply. No tax returns are required, FICO 500+ is considered, and the first step is a soft credit pull.

We work with regional and local carriers and logistics services. We do not promise funding for long-haul trucking.

Choosing a structure for the off-season

Because slow seasons are predictable, many owners prefer a line of credit they can draw on as needed. A fixed amount of working capital suits a known shortfall. If you are comparing options, see line of credit vs. merchant cash advance for freight. Our freight cash flow guide covers planning for the dip.

Apply before the dip, not during it

The best time to arrange slow-season funding is while deposits are still strong. The application takes about 5 minutes, and funding can arrive in as little as 24 hours for qualified businesses. Every offer lists the full repayment amount and schedule before you accept.

Frequently Asked Questions

My statements show a slow month. Will that count against me?

Funders weigh the overall pattern and your current obligations. Explaining your seasonal cycle helps them read the numbers in context.

Can I apply before my slow season starts?

Yes, and many operators do. Applying while deposits are strong gives a clearer picture of the business.

Do you work with warehouses and brokers, not just carriers?

Yes. Warehousing, brokerage and local delivery operations can apply along with regional carriers.

Can I keep part of the funds in reserve?

Yes. Some owners hold part of the funding as a cushion and use it only when a slow week arrives. A line of credit is often a better fit if that is your plan.

What paperwork do I need?

About three months of business bank statements and the short application. No tax returns are required.

Can I use the funds for maintenance during downtime?

Yes. Many owners use quiet weeks to catch up on repairs so trucks are ready for the next busy period.

Insurance renewal $26,000.00
Crew retention $40,000.00
Fleet maintenance $18,500.00
Shipper outreach $8,000.00

Example uses for illustration only.

How to improve your chances

These habits make seasonal funding easier to arrange.

  • Apply while your busy-season deposits are recent
  • Write a short note describing your seasonal cycle
  • Keep business and personal spending separate
  • Track which fixed costs land in slow months

Off-season funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Seasonal deposits
Reviewed as a pattern
Can be read as decline
Application
About 5 minutes
Lengthy package
Documents
About 3 months of statements
Years of tax returns
Credit
FICO 500+ considered
Higher scores expected
Speed
As little as 24 hours if qualified
Several weeks typical

Get through the slow stretch ready

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

Apply for Funding
Apply NowCall