Merchant Fund Express
(305) 384-8391Apply

Same-Day Funding for Freight and Logistics? Here's the Truth

Decisions move fast and funding can arrive in as little as 24 hours for qualified regional and local freight businesses.

Start Now

Fast Funding

Fast answers for regional carriers on a deadline

A 5-minute application, a soft credit pull and about three months of bank statements. That is what lets us move quickly when a truck is down or payroll is due.

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.

Built for freight timelines

Quick decisions, few documents

Five minutes to apply and about three months of bank statements. No tax returns required.

Credit flexibility

FICO 500+ considered. Steady deposits from your shippers count for a lot.

Know the full cost first

The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.

Predictable payments

Your payment schedule is laid out in the offer up front so you can plan around settlements.

Need capital this week?

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.

When a load cannot wait

Freight runs on timing. A driver calls in with a blown turbo, a shipper adds a week of volume, fuel spikes right before a big run. Owners searching for same-day funding usually need an answer today and the cash very soon after.

Here is the honest version: we do not promise same-day funding. What we can say is that decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses. For most regional carriers, that is the window that matters.

What keeps things quick

  1. Short application. It takes about five minutes and begins with a soft credit pull.
  2. Bank statements, not tax returns. About three months of business bank statements tells us how money moves through your operation.
  3. Fast follow-up. Once we see your deposits, we can put an offer in front of you without a long back-and-forth.

Have your statements ready as PDFs before you start the application. That one step saves more time than anything else.

Who this fits

We work with established regional and local freight and logistics businesses with steady deposits: local delivery fleets, drayage and short-haul operators, warehouses, cross-docks and 3PLs. FICO 500+ is considered and sole proprietors can apply. We do not offer funding for long-haul trucking.

Common urgent needs

Most fast requests in freight fall into a few buckets:

If the need is ongoing rather than one-time, a business line of credit for freight and logistics may serve you better.

Fast should still be clear

Speed is not a reason to skip the details. Every offer shows the full repayment amount and the payment schedule before you accept. Take five minutes to check the payment against your weekly cash flow before signing.

A good test: picture the week when your biggest shipper pays late. If the payment still clears without bouncing fuel or payroll, the offer is probably sized right. If not, ask for less. A smaller amount you can carry beats a larger one that pinches every week.

Frequently Asked Questions

Can I get funded the same day I apply?

We do not promise same-day funding. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

What slows funding down?

Missing or incomplete bank statements are the most common delay. Sending about three months of statements up front helps.

Do you fund long-haul carriers?

No. We work with regional and local freight and logistics operations only.

Is there a hard credit check?

We start with a soft credit pull, so checking your options does not affect your score.

Can an owner-operator apply?

Sole proprietors running regional or local freight work can apply.

How much can I request on a fast timeline?

We offer funding from $25,000 to $5,000,000. The amount depends mainly on your deposits and the obligations already coming out of your account, not on how fast you need it.

Engine repair $32,000.00
Driver payroll $54,000.00
Fuel float $28,500.00
Tire replacement $25,000.00

Example uses for illustration only.

How to improve your chances

These steps help a fast request move even faster.

  • Download three months of bank statements as PDFs
  • Keep business and personal deposits separate
  • Know the exact amount you need and why
  • Have your business details and EIN or SSN handy

Fast funding with us vs. a typical bank

Merchant Fund Express
Traditional bank loans
Decision speed
Fast, often same day
Days to weeks
Funding
As little as 24 hours if qualified
Weeks is common
Paperwork
About 3 months of statements
Tax returns, financials
Credit
FICO 500+ considered
Higher scores usually expected
First credit check
Soft pull
Hard pull is typical

Get a fast answer for your freight business

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

Apply for Funding
Apply NowCall