Funding for Delivery Fleet Expansion

More routes need more vans

Florists, food distributors, appliance stores, couriers, and building supply yards all hit the same ceiling: the orders are there, but the vehicles and drivers are not. Adding two vans means paying for vehicles, insurance, upfitting, and the first weeks of driver wages before the extra deliveries start paying off.

We fund established local and regional delivery operations with steady deposits from $25,000 to $5,000,000. This page is about local and regional delivery fleets; long-haul trucking is outside what we describe here. The 5-minute application starts with a soft credit pull.

How fleet requests are weighed

• Deposits. About three months of business bank statements show whether current revenue supports added cost.
• Existing obligations. Current vehicle notes, loans, or advances affect new payment capacity.
• Credit. FICO 500+ is considered.
• The vehicles. For equipment financing, the type, age, and price of each vehicle matter.

Splitting the request the smart way

Many owners pair two products. Equipment financing covers the vans or box trucks themselves. Working capital covers what equipment financing usually does not: shelving and upfits, insurance deposits, wraps, and driver payroll during ramp-up. For a single vehicle purchase, see funding for a vehicle or truck purchase.

For illustration: a regional produce distributor adding three refrigerated vans might finance the vans and use a smaller working capital amount for drivers and route software.

Check the payment against the routes

Before applying, estimate how many added stops per day each new vehicle should handle and what that brings in. Compare that to the repayment schedule in your offer. Every offer from us shows the full repayment amount and schedule before you accept. No tax returns are required, and funding can arrive in as little as 24 hours for qualified businesses.

The hidden costs of each new vehicle

The sticker price is the easy part. Each added van brings insurance, registration, fuel, maintenance, tires, telematics, and a driver who needs to be hired, trained, and paid while learning the routes. Some owners also need a bigger lot, an extra loading dock shift, or route planning software once the fleet passes a certain size. List these costs before you apply and decide which ones the funding will cover. A request that includes the first months of operating expense alongside the vehicles tends to hold up better than one that only covers the purchase. It also keeps you from parking new vans because there is no cash left for drivers.