Merchant Fund Express
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Merchant Cash Advance for Freight and Logistics

For regional and local carriers, last-mile fleets, and warehouses. Funding sized to your deposits, with a soft pull to start.

Check My Offer

Merchant Cash Advance

Cover fuel and payroll while shipper payments catch up

Costs leave the account every week while payments arrive on the customer's clock. An advance based on your deposits helps close that gap.

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.

An advance that fits logistics timing

Fast decisions, minimal paperwork

About three months of statements and a five-minute application. No tax returns required.

Credit flexibility

FICO 500+ considered, weighed alongside your deposit pattern.

Full repayment shown first

Your offer lists the total repayment amount before you accept. No surprise costs after you sign.

Schedule laid out up front

The repayment schedule is in your offer, so you can test it against slow-paying weeks.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

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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.

Built for regional and local operators

Freight and logistics businesses run on thin timing. Fuel, driver pay, insurance, and maintenance go out every week, while shippers and brokers pay on their own schedule. A merchant cash advance for freight and logistics companies looks at your recent deposits and sizes funding to what they can support.

Our focus is regional and local carriers, last-mile delivery fleets, warehousing, cross-dock, and drayage operations with steady deposits. We don't offer funding for long-haul trucking. If that's your operation, this page isn't the right fit.

Where an advance helps

When a single customer suddenly adds volume, our freight and logistics big contract funding guide is worth a read.

How funders review a logistics business

Deposit consistency is central. A company with regular payments from several shippers usually shows a steadier pattern than one depending on a single account. Funders also look at existing obligations, including equipment payments and other advances already coming out of the account, plus credit history. We consider FICO 500+ and start with a soft pull.

Read more on each factor at how freight and logistics companies qualify.

Reading the offer

Your offer lays out the full repayment amount and the repayment schedule before you accept. Run it against a week when a big customer paid late, not just a week when everything lined up. If the schedule would squeeze fuel or payroll in that scenario, ask for a smaller amount. A good advance smooths your timing; it shouldn't create a new crunch.

Advance or line of credit?

An advance works well for a defined need tied to steady inflows. A business line of credit for freight and logistics may fit better if your costs are recurring and unpredictable. Our side-by-side comparison breaks it down.

Next steps

Apply in about five minutes at /apply/. You'll need about three months of business bank statements, and no tax returns are required. Sole proprietors can apply. Funding runs from $25,000 to $5,000,000, depending mainly on deposits and existing obligations, and qualified businesses can be funded in as little as 24 hours.

Frequently Asked Questions

Do you fund long-haul trucking companies?

No. We focus on regional and local freight, last-mile, warehousing, and similar logistics operations.

My customers pay on long invoice cycles. Is that a problem?

Not necessarily. We look at your overall deposit pattern. Be realistic about how the repayment schedule fits around slow-paying customers.

Can an owner-operator apply?

Sole proprietors running regional or local operations with steady business deposits can apply.

Does applying affect my credit?

We start with a soft credit pull, which does not affect your score.

What do I need to apply?

A five-minute application and about three months of business bank statements.

Fuel float $35,000.00
Box truck repair $14,000.00
New driver onboard $48,000.00
Insurance renewal $22,500.00

Example uses for illustration only.

How to improve your chances

Logistics operators can strengthen a review with a few habits.

  • Deposit all shipper and broker payments to one account
  • Diversify customers so no single shipper dominates
  • Keep equipment payments and insurance current
  • Note upcoming contracts and their payment terms

Our advance vs. a typical bank loan

Merchant Fund Express
Traditional bank loans
Focus
Recent business deposits
Collateral and financials
Credit
FICO 500+ considered
Higher scores expected
Paperwork
About 3 months of statements
Tax returns, P&L, more
Speed
As little as 24 hours if qualified
Weeks
Cost clarity
Full repayment in offer
Varies by bank

Keep the routes covered and the drivers paid

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

Apply for Funding
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