Funding for your situation
How a trucking company with several advances can see the combined debit, what restructure options exist and what they change, with a worked example.
✓ Checking what you qualify for does not affect your credit score.
Stacking usually happens one reasonable decision at a time. A shipper wants a dedicated lane, and the second tractor is the only way to take it. Each new advance solved the last problem, and together they leave very little of each day's deposits.
Merchant Fund Express is a funding marketplace: you apply once, and the file is matched to the structure that fits it. The sections below show what this situation usually costs, how a funder reads it, and what to prepare.
Settlements and broker or shipper invoices arrive on net terms while fuel and driver pay go out weekly. A reviewer sees that pattern in the statements before reading a word of the application.
Equipment is part of the picture. A failure such as a engine rebuild or a reefer unit can run $14,000 to $14,000 and interrupt revenue while it is down.
The documents that usually matter most for a trucking company are a tractor or trailer quote and recent settlement or invoice reports, alongside the bank statements.
Produce, retail peaks and holiday freight move rates and lanes. For a trucking company, that rhythm decides when a funding request reads best and how it should be repaid.
Balance, debit size and payment history for each, including what each was taken for: down payment on a tractor, a engine rebuild or cash flow.
The single number that matters most.
Settlements and broker or shipper invoices arrive on net terms while fuel and driver pay go out weekly.
The payment shape and term, not the amount owed.
| Item | Illustrative amount |
|---|---|
| Advance A, taken for down payment on a tractor (weekly debit, illustrative) | $1,000 |
| Advance B, taken for a engine rebuild (weekly debit, illustrative) | $500 |
| Advance C, taken for fuel and driver pay before first settlement (weekly debit, illustrative) | $500 |
| Combined weekly debit | $2,000 |
| Average weekly deposits at a trucking company (illustrative) | $6,500 |
| Combined debit as a share of weekly deposits | about 31% |
How this is read. A funder looks at the combined debit, the negative days and the average daily balance. For a trucking company, produce, retail peaks and holiday freight move rates and lanes. Replacing several positions with one payment is what a MCA buyout or MCA refinance is built to do, when the balances and the file allow it.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
These are the same factors described on revenue and deposit requirements and time in business. Merchant Fund Express walks you through how your own file reads before you apply.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Sometimes. A MCA buyout for positions with balances of $100,000 or less, a refinance or reverse consolidation may fit, depending on the file. Merchant Fund Express will say plainly which apply.
No. It changes the payment shape and term. Always compare the new total with what is left on the old positions.
There is no single number. It depends on the combined debit and how the account behaves. See existing positions and stacking.
The minimum FICO is 500, and better credit means better products and terms. See credit score requirements for how the tiers work.
Merchant Fund Express gives a same-day decision on a complete file. Applying takes a few minutes and will not affect your credit score.
