Funders review load revenue deposits; payments flex with weekly revenue, useful when broker payments vary.
Check my optionsTrucking and logistics
Transportation companies, from small fleets to brokers and logistics providers, often have strong revenue but uneven timing. Revenue-based financing sized on bank deposits can cover repairs, insurance, fuel and growth without requiring the company to sell its invoices.
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.
Existing balances of $100,000 or less can be bought out.
Your file goes to funders that fit it, so offers can be compared.
A human reads the file, not just an algorithm score.
Net cash, total payback and payment shown before you sign.
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.
How it is underwritten. Funders review several months of business bank statements, looking at the consistency of deposits from brokers and shippers, average daily balances, negative days and existing obligations such as truck notes, insurance financing and factoring arrangements. Authority age, fleet size and freight concentration are also considered. Credit is considered from 500 through MFE.
Where it fits. Common uses include an engine or transmission repair that would otherwise park a truck, the down payment on an annual insurance renewal, permits and registrations, onboarding drivers for a new contract or bridging a slow freight month. These are short-term needs with a clear connection to revenue.
How it interacts with factoring. Many carriers factor their invoices, and factoring companies typically hold a lien on receivables. A revenue-based funder will need to know about the factoring arrangement and will size the offer on deposits after factoring. Disclose it upfront to avoid delays.
Structure and sizing. Weekly payments often fit trucking better than daily ones, because broker and factoring deposits tend to arrive in weekly cycles. Size the request to the specific need and test the payment against your slowest freight weeks. Some funders apply tighter criteria to particular segments, such as single-truck long-haul operations, so comparing multiple funders matters.
Through MFE, one application reaches funders that work with transportation companies, including options for carriers that already have an advance.
Seasonality affects freight too. Produce seasons, retail peaks and year-end shipping create busy stretches, while late winter can be slow. Applying after a strong freight period, with statements that reflect it, generally leads to better offers.
Fuel price swings change cash needs quickly. When diesel prices rise, weekly costs increase before rates adjust. Building fuel-price scenarios into your cash forecast helps decide how much working capital to request.
Here is a weekly-payment offer for a carrier covering a major repair. Illustrative numbers.
| Amount funded | $50,000 |
| Factor rate | 1.30 |
| Total payback (amount × factor) | $65,000 |
| Fees deducted at funding (4%) | $2,000 |
| Net cash you receive | $48,000 |
| Weekly payment over 48 weeks | $1,354 |
| Same total as daily debits (~240 business days) | $271/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Underwriting | Deposits, authority, fleet, freight mix |
| Common uses | Repairs, insurance, permits, drivers |
| Factoring | Disclose; offer sized after factoring |
| Payment frequency | Weekly often fits freight cycles |
| Segments | Criteria vary by funder |
Good fit:
Probably not yet:
Yes, based on deposits, authority age and freight mix.
Options begin at 500.
Often, if disclosed; the offer is sized on deposits after factoring.
Yes, and they often fit freight payment cycles.
Repairs, insurance down payments, permits and driver onboarding.
No; criteria vary by segment.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding