Merchant Fund Express
(305) 384-8391Apply

Fast Funding for Trucking, Not Empty Promises

Decisions move fast. Qualified regional and local carriers can be funded in as little as 24 hours. No tax returns, soft pull to start.

Start My Application

Fast Trucking Funding

Get a quick answer and get rolling

When a truck is down or a payment slips, waiting weeks on a bank is not an option. We keep the paperwork short so decisions come quickly.

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 carriers who cannot wait

Fast decisions, light paperwork

About 5 minutes to apply and three months of statements. Qualified carriers can be funded in as little as 24 hours.

Credit flexibility

FICO 500 and up considered. Your hauling deposits carry real weight.

Clear costs, even in a rush

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

Schedule known in advance

Your repayment schedule is laid out in the offer up front, so speed never means guesswork.

Cash flow tight this month?

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 truck is down, speed matters

A truck sitting in the shop is a truck not earning. That is why so many carriers search for same-day funding for trucking. Here is the honest version of what we offer: our decisions move fast, and qualified businesses can be funded in as little as 24 hours. We do not promise same-day funding, because the timeline depends on your file, your paperwork, and when the agreement gets signed.

What we can do is remove the slow parts. No tax returns, no stack of financial statements, and an application that takes about five minutes.

What makes a fast file

The carriers who move through review quickest usually have three things ready:

  1. Roughly three months of business bank statements, downloaded as PDFs
  2. An accurate list of any existing loans or advances
  3. A short explanation of what the money is for, such as a repair estimate

We start with a soft credit pull and consider FICO scores of 500 and up. Sole proprietors and owner-operators can apply.

Who this is for

We fund established regional and local carriers with steady deposits: dump truck operators, local delivery fleets, regional dry van and reefer outfits, and similar operations. Funding ranges from $25,000 to $5,000,000, sized mainly by your deposits and current obligations.

Speed without skipping the details

Moving fast should not mean signing something you have not read. Even on an urgent file, take a few minutes with the offer. Check the full repayment amount, look at how the repayment schedule lines up with when your brokers and shippers pay, and make sure it works during a slower freight week too. A quick decision is only useful if the funding fits the way your carrier actually gets paid.

Common urgent needs

Choosing the product

Speed is a feature of several of our products. A merchant cash advance for trucking is a common choice for urgent, one-time needs. A trucking line of credit helps when you want funds on standby for the next surprise. Either way, your offer shows the full repayment amount and schedule before you accept.

Frequently Asked Questions

Can I get funded the same day I apply?

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

What slows a file down?

Missing statements, unclear existing obligations, or delays signing the agreement. Having documents ready helps the most.

Do you fund long-haul carriers?

Our trucking programs focus on regional and local carriers. Describe your operation on the application.

Is bad credit a problem?

We consider FICO 500 and up and start with a soft pull. Deposit history is a big part of the review.

Are there surprise costs for fast funding?

No. Your offer lists the full repayment amount before you accept, and nothing gets added after you sign.

Transmission $26,000.00
Broker delay $45,000.00
Insurance down $32,000.00
Fuel surge $27,500.00

Example uses for illustration only.

How to improve your chances

These steps help carriers get the fastest possible decision.

  • Download three months of statements before applying
  • List all current financing on the application
  • Have a repair estimate or invoice on hand
  • Watch for our follow-up and sign promptly if approved

Our speed vs a typical bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Hours of paperwork
Documents
About 3 months of statements
Tax returns and financials
First check
Soft credit pull
Hard pull is common
Credit
FICO 500+ considered
Strong credit expected
Funding time
As little as 24 hours if qualified
Weeks of underwriting

Get a fast decision for your carrier

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

Apply for Funding
Apply NowCall