For regional and local carriers: compare a revolving limit for fuel and repairs with a lump-sum advance. Apply in about 5 minutes.
Compare My OptionsRegional Carrier Funding
Fuel and driver pay go out weekly while shippers pay on terms. We help regional carriers match funding to that cycle.
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.
Apply in about 5 minutes with three months of statements. Funding in as little as 24 hours for qualified carriers.
FICO 500+ is considered. Steady load deposits weigh heavily.
Your offer lists the full repayment amount before you accept, and nothing new appears after you sign.
The schedule is in your offer up front, so you can plan it against settlement dates.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
This page is written for regional and local trucking operations: delivery fleets, short-haul freight, dump and hauling outfits, and carriers running set routes close to home. These businesses face a familiar squeeze. Fuel, tolls, insurance and driver pay go out every week, while shippers and brokers may take weeks to pay. Both a line of credit and a merchant cash advance can help, in different ways.
Fuel and maintenance costs repeat, and they rarely arrive on a neat schedule. A revolving line of credit lets you draw when a fuel bill or tire set comes due, repay as loads are paid, and draw again. You owe only on what you use. That flexibility tends to suit carriers with steady routes and steady deposits. See our trucking line of credit page.
An advance delivers one lump sum now, repaid from future deposits on the schedule in your offer. Carriers often use it for a single cost they can name:
More on our merchant cash advance for trucking page.
If you are adding a tractor, box truck or trailer, equipment financing is often the closer match, since the vehicle is the purpose of the funding. Every application is reviewed on its own, and long-haul operations are not the focus of this page. What reviewers weigh for any carrier is the steadiness of deposits, how concentrated revenue is across shippers or brokers, and the payments already tied to the fleet.
The application takes about 5 minutes and starts with a soft credit pull. Send about three months of business bank statements; no tax returns are required. FICO 500+ is considered, and sole proprietors, including owner-operators, can apply. Funding runs from $25,000 to $5,000,000, with funding in as little as 24 hours for qualified businesses. Your offer shows the full repayment amount and schedule before you accept. Apply now.
Fuel repeats week after week, so a line of credit is often the closer fit. An advance suits one larger, defined expense.
Yes. Sole proprietors can apply. We review the business bank statements you provide.
This page is aimed at regional and local carriers. Every application is reviewed individually, and nothing is promised for any type of operation.
Reviewers look at the deposit pattern as a whole. Steady payments that arrive later are part of the picture and worth explaining.
FICO 500+ is considered, alongside your deposits and existing obligations.
Funding runs from $25,000 to $5,000,000. The amount depends mainly on your deposits and the truck payments and other obligations you already carry. For illustration, a carrier with steady weekly settlements will be read differently than one with irregular loads.
Example uses for illustration only.
These steps make a carrier's file easier to review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding