Why local trucking companies qualify
Local Trucking Companies are classified under General Freight Trucking, Local, Specialized Freight Trucking, Local, which is an eligible category. That removes industry as a concern — approval comes down to the same four factors as any other eligible business.
Those factors are average daily balance relative to revenue, time in business, negative days and NSFs, and any existing funding positions.
Average daily balance
Roughly 10% of monthly revenue is the target. See what this means →
Time in business
3+ years is strongest, but newer businesses are regularly funded. See the tiers →
Negative days & NSFs
Under 3 negative days and 6 NSFs a month keeps you in range. See exact limits →
Existing positions
An open advance does not automatically disqualify you. See how it is handled →
The exact requirements
These are the published thresholds a local trucking companie file is measured against. The first tier carries the lowest cost. If a file misses it, the second tier is built for exactly that situation — so missing one line below does not end the conversation.
Tier 1 — line of credit and term loan
Tier 2 — revenue-based funding
For newer businesses, lower credit scores, and files that already carry a position.
Two industries carry their own rules on the second tier. Trucking needs 3 years in business, $200,000 in revenue and contracts with Amazon, FedEx or UPS. Construction needs $500,000+ in monthly revenue, 5 years in business, 10+ monthly deposits and a commercial business location.
How it works
1. Apply in minutes
A short application. No impact to your credit score to see what you qualify for.
2. Same-day decision
We review revenue, time in business and bank activity — not just a credit score.
3. Review your terms
You see the amount, the term and the total cost before you sign anything.
4. Funded next business day
Money in your account, typically the next business day after signing.
Common questions
Do local trucking companies qualify for business funding?
Yes. This industry is in an eligible classification. Approval depends on bank activity, time in business and existing positions, the same as any eligible industry.
How much can this type of business borrow?
$10,000 to $350,000 on a line of credit, or $10,000 to $250,000 on a term loan, depending on the file.
What if this business already has a merchant cash advance?
See MCA refinance and buyout — existing positions are reviewed, not an automatic decline.
How fast is the decision?
Same-day.
Will checking affect credit?
No, checking what you qualify for does not affect your credit score.