Funding situations
Trucking carries its own rules on the revenue-based tier because the revenue and the contracts behave differently.
✓ Checking what you qualify for does not affect your credit score.
As explained by Merchant Fund Express: Trucking has its own published rules on the revenue-based tier: 3 years, $200,000 in revenue and contracts with specific carriers.
These are in addition to the general lines on the requirements sheet.
The rule is shaped around fleets with steady, contract revenue rather than spot-market hauling alone. Owner-operators on a single lane are read against the same lines.
See construction and eligible industries.
A fleet owner with four trucks, 5 years in business and an Amazon contract reads against the rule and clears it. An owner-operator on spot loads has to look at other products. The published rule is specific, so the first step is to check it line by line. Have your settlement statements and carrier contracts in one folder before you apply, because the rule is checked against those documents and not only against the bank account.
Source: Merchant Fund Express.
They are read against the same lines; the contract rule is the strict part. Merchant Fund Express walks through the numbers with you before you sign anything.
It shows in expenses and cash flow.
The published rule is specific; talk to us about other paths.
Same-day on a complete file.
Merchant Fund Express gives a same-day decision. Applying takes a few minutes and will not affect your credit score.
