Industry Qualification
Freight and Logistics Companies fall under an eligible industry classification (Freight Transportation Arrangement). Brokers and logistics firms pay carriers quickly but collect from shippers slowly, and the review is built around that gap.
✓ Checking what a freight and logistics company qualifies for does not affect your credit score.
Freight brokers and 3PLs bill shippers per load or monthly, often on 30- to 60-day terms, while carriers expect payment within days — a timing gap that shows clearly in statements.
Funding is usually used to cover carrier payments while shipper invoices are outstanding, to add dispatch or sales staff, or to take on a large new shipper account.
Carrier payouts move a lot of money through the account; an average balance near 10% of monthly revenue shows the business can carry its receivables. ADB explained →
Brokers operating three or more years are strongest, and newer firms with growing load counts are funded regularly. Time tiers →
Quick-pay obligations to carriers can bounce if a shipper is late — keeping NSFs under 6 a month is essential. Exact limits →
An existing advance or factoring arrangement is reviewed as part of the file. Refinance options →
Revenue tracks freight cycles: retail peak season, produce season and quarter-end pushes raise load counts, while January is often slow. Large shippers commonly pay on 30- to 60-day terms.
Carrier payments, dispatcher payroll, load-board subscriptions and insurance are paid on short cycles, well before many shippers settle.
Every threshold below comes from the published funding requirements, applied line by line to a freight and logistics company.
Paying trucks promptly without waiting on shippers.
Carrying the receivables a new account creates.
Adding staff to cover more lanes.
TMS software, tracking and load-board subscriptions.
Expanding 3PL services.
A brokerage adding a regional grocery shipper on net-45 terms needs to keep paying carriers within a week.
Its statements show about $210,000 a month in deposits and an average daily balance near $19,000 — roughly 9% of monthly revenue, right around the 10% benchmark.
A request of $100,000 on a line of credit is about 48% of one month's deposits for this freight and logistics company, which keeps the payment proportionate to what comes in.
Illustrative figures for a sample freight and logistics company, not an offer; real amounts, terms and cost depend on the full file.
Have recent business bank statements ready; shipper payments and carrier payouts show true volume.
The review studies the gap between carrier payouts and shipper payments, years brokering and any open positions.
Amount, term and total cost are presented before signing, so payments fit the receivables cycle.
Signed agreements typically fund the next business day, keeping carrier pay on schedule.
Yes. Slow-paying shippers are normal; the review looks at how the account carries that gap.
Shipper deposits set the size, within a $10,000–$350,000 line of credit or a $10,000–$250,000 term loan.
An existing factoring arrangement is reviewed as part of the file and is not an automatic decline.
Yes. That balance is weighed in the overall decision.
No — eligibility checks do not change the credit score, and logistics firms get a decision the same day.
Carrier pay or a big new shipper — logistics companies get a same-day decision, with credit left untouched.
