Cash for fuel, repairs, and driver pay while brokers and shippers take their time. Built for regional and local carriers. FICO 500+ considered.
Get My OfferMerchant Cash Advance
Freight invoices can sit for weeks. A merchant cash advance turns the revenue you already earn into working cash so a slow payer does not park a truck.
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.
About 5 minutes and three months of bank statements. No tax returns. Qualified carriers funded in as little as 24 hours.
FICO 500+ considered. Your hauling deposits matter as much as your score.
Your offer lists the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in the offer, so you can plan it against fuel and payroll.
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.
Most regional and local carriers know the pattern. Fuel, tolls, and driver pay go out this week. The shipper or broker pays in 30 days, sometimes longer. A merchant cash advance gives you working cash now, based on the revenue already flowing through your business account, so you can keep trucks moving without waiting on receivables.
We focus on established regional and local trucking operations with steady deposits. Applying takes about five minutes on our application page, and we start with roughly three months of business bank statements. No tax returns are required.
An MCA is an advance against future business revenue. You receive a lump sum, and repayment comes from your incoming revenue on the schedule set out in your offer. Before you accept, the offer shows the total amount you will repay and how the remittances work. Nothing gets added after you sign.
Because the decision leans on deposits, a carrier with a bumpy credit history but consistent hauling revenue can still be considered. FICO 500 and up is reviewed, and the first check is a soft pull.
An MCA is built for speed and flexibility on credit. If your need is ongoing and you would rather draw only what you use, a business line of credit for trucking may fit better. If you are buying a tractor or trailer, look at equipment financing for trucking. Our line of credit vs MCA comparison walks through the trade-offs.
Steady deposits from multiple customers, a clear picture of existing financing, and statements that show revenue moving through one business account. Funding runs from $25,000 to $5,000,000, and qualified carriers can be funded in as little as 24 hours.
Our trucking programs are built for regional and local carriers. Tell us about your operation on the application and we will let you know what fits.
Yes. Sole proprietors can apply. We look at business deposits, so keep hauling revenue in a business account if you can.
It depends on your file. Your offer shows the full repayment amount before you accept, and there are no surprise costs after you sign.
No. FICO 500 and up is considered and we start with a soft pull. Deposit history carries a lot of weight.
Qualified businesses can be funded in as little as 24 hours after approval and signed paperwork.
Example uses for illustration only.
Carriers that prepare these items usually get a cleaner offer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding