Merchant Fund Express
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Trucking funding

Next-day funding for trucking: regional and local carriers.

Fuel, repairs and drivers are paid now. Invoices are paid later. Here is how funding fits regional and local carriers, and where it does not.

✓ Checking what you qualify for does not affect your credit score.

The short answer

Regional and local trucking and hauling businesses can get funding from $25,000 to $5,000,000, and funding can arrive in as little as 24 hours for qualified businesses. Long-distance trucking is not eligible.

Amounts$25,000 to $5,000,000
SpeedDecisions move fast; funding in as little as 24 hours for qualified businesses
PaperworkAbout three months of business bank statements, no tax returns
CreditFICO 500+ considered; deposits and time in business carry the weight

Where carriers use the money

Repairs and tires

A truck sitting in a shop earns nothing.

Fuel and insurance

Costs hit weekly while shippers pay on net terms.

Payroll

Drivers are paid on schedule whether or not the invoice has been.

Another truck

A down payment or upfit before the new unit earns.

What a funder reads

Deposit regularity
Time in business
Existing advances, loans or truck notes
Customer mix and concentration

See trucking qualification and same-day funding for trucking.

What is not eligible

Long-distance (truckload or less-than-truckload) trucking is restricted. If your operation is regional or local, you may qualify.

How to apply

About three months of business bank statements
Your business name, address and time in business
Basic owner information
A list of any existing advances or loans, with the payment amounts

The application takes about five minutes and starts with a soft credit pull, so applying does not hurt your score. Start your application and we will review your file the same day.

Common questions

Do you fund long-haul trucking?

No. Long-distance trucking is not eligible.

How fast can a carrier be funded?

As little as 24 hours for qualified businesses.

Do I need tax returns?

No.

Can I apply with a lower score?

FICO 500+ is considered.

Can owner-operators apply?

Sole proprietors can apply.

See what you qualify for

Same-day decision. Applying takes a few minutes and will not affect your credit score.

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