Merchant Fund Express
(305) 384-8391Apply

Revenue-Based Financing for Freight and Logistics

Funding sized from the shipper payments landing in your account, built for regional carriers, warehouses and 3PLs.

Get My Offer

Revenue-Based Financing

Capital that reads your deposits, not last year's return

We look at about three months of business bank statements to size revenue-based financing for your regional or local freight operation. No tax returns required.

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.

Why it suits freight cash flow

Quick and low-paper

Five minutes to apply and about three months of statements. Funding in as little as 24 hours if qualified.

Credit is not everything

FICO 500+ considered. Consistent shipper deposits carry real weight.

Full cost up front

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

A schedule you can see

The payment schedule is laid out in your offer up front, before you commit.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

Apply Now

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.

Funding that follows your freight revenue

Freight revenue moves in waves. A big customer ramps up, a peak season hits, a key account goes quiet for a month. Revenue-based financing is built around the money actually landing in your business account rather than a static snapshot from last year's tax return.

We size revenue-based financing from your deposit history, and repayment ties to the revenue your operation brings in. For regional carriers, warehouses and 3PLs with steady deposits, that link can make planning easier.

Who it works for

Revenue-based financing tends to suit established regional and local freight businesses that:

We do not offer funding for long-haul trucking. Local delivery, drayage, short-haul and warehouse operations are where we focus.

What we need from you

The process is light. Apply in about five minutes, and we begin with a soft credit pull. Then send about three months of business bank statements. No tax returns are required, FICO 500+ is considered, and sole proprietors can apply. Funding can arrive in as little as 24 hours for qualified businesses.

Where freight owners put it to work

Taking on a new contract

Landing a large account often means hiring drivers and adding capacity before the first invoice pays. See big contract funding.

Getting through slow stretches

Post-holiday lulls hit warehouses and local carriers alike. Our slow season funding page covers that.

Managing cash timing

The freight and logistics cash flow guide walks through common gaps between hauling a load and getting paid.

Know the terms in plain numbers

Each offer shows the full repayment amount and the payment schedule before you accept. Read both carefully. Compare that to your average monthly deposits and your lowest month, since freight volume rarely holds flat all year. You may also want to look at equipment financing if the need is tied to a specific truck or forklift.

Frequently Asked Questions

How is revenue-based financing sized?

Mainly from your deposit history over about three months of business bank statements, along with existing obligations.

Is it a good fit for a seasonal warehouse?

It can be, since it is built around revenue. Review the payment schedule in your offer against your slowest months.

Do you fund long-haul trucking companies?

No. We focus on regional and local freight and logistics businesses.

What credit score is needed?

FICO 500+ is considered, alongside your deposits and account history.

How quickly can I receive funds?

In as little as 24 hours for qualified businesses after you accept an offer.

How is this different from a merchant cash advance?

Both are sized from your revenue. A merchant cash advance is usually tied to card sales, which many freight businesses do not rely on, so revenue-based financing built around bank deposits often fits freight better. We can walk through both.

New driver hires $64,000.00
Peak season ramp $90,000.00
Yard lease $35,000.00
Dispatch software $25,500.00

Example uses for illustration only.

How to improve your chances

Revenue-based offers lean on deposits, so these steps help.

  • Deposit all shipper payments into one business account
  • Track your average and lowest monthly deposits
  • Reduce returned items and negative days
  • Map the funds to a specific revenue goal

Revenue-based financing vs. a typical bank loan

Merchant Fund Express
Traditional bank loans
Sized from
Your recent deposits
Tax returns and collateral
Paperwork
About 3 months of statements
Full financial package
Credit
FICO 500+ considered
Stronger credit expected
Speed
As little as 24 hours if qualified
Weeks is common
Application
5 minutes, soft pull
Lengthy, hard pull

Fund your next freight move from your revenue

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

Apply for Funding
Apply NowCall