Merchant Fund Express
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Funding for a Big Trucking Contract

Cover fuel, drivers and equipment for a new shipper before their payments start. Funding for regional and local carriers from $25,000.

Fund My Contract

Trucking Contract Funding

Say Yes to the Freight Without Straining Cash

Big shippers pay on their schedule, not yours. We help carriers cover the ramp-up so the new contract starts strong.

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.

Contract Funding That Keeps Pace

Quick turnaround

Apply in about 5 minutes with roughly three months of bank statements. Funding in as little as 24 hours for qualified businesses.

More than a credit score

FICO 500+ is considered. Your deposit history and the strength of your current freight carry real weight.

Full cost in writing

The full repayment amount is in your offer before you accept, with no surprise costs after you sign.

Repayment mapped out

Your payment schedule is spelled out up front so you can line it up with the shipper's payment terms.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

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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.

The contract is signed. Now the bills start.

A new dedicated route or a large shipper contract can change a regional carrier's year. It also creates an immediate cash crunch: fuel for extra miles, more drivers, maybe another truck or trailer, and insurance changes. Meanwhile the shipper pays on its own terms, often weeks after delivery.

Funding for a big contract in trucking bridges that stretch so you can say yes and run the freight well from day one.

Costs a big contract usually brings

Write these down with rough dates. Knowing when each cost hits makes it easier to pick the right kind of funding.

Lump sum or line of credit?

SituationOften a fit
One large ramp-up costWorking capital or merchant cash advance
Ongoing gaps between delivery and paymentBusiness line of credit
Extra trucks or trailersEquipment financing

Not sure which? Our comparison of a line of credit vs. merchant cash advance for trucking lays out the differences.

How we review a carrier

We look at about three months of business bank statements, consider FICO 500+, and don't ask for tax returns. Funding ranges from $25,000 to $5,000,000 and depends mainly on your deposits and existing obligations. This is built for regional and local carriers; we don't promise funding for long-haul trucking.

Every offer shows the full repayment amount and schedule before you accept.

Move before the start date

Shippers expect you ready on day one. The application takes about 5 minutes with a soft credit pull to start, and qualified businesses can be funded in as little as 24 hours.

Frequently Asked Questions

Do I need to show the contract to apply?

It can help explain the purpose of the funds, but our review centers on your business bank statements and deposit history.

Can I use the funds for fuel?

Yes. Fuel to cover new lanes before the first payments arrive is one of the most common uses for contract funding.

What if the contract needs more trucks?

Equipment financing can pay for added tractors or trailers. Working capital can cover the other ramp-up costs.

Are owner-operators eligible?

Sole proprietors can apply. We look for an established business with steady deposits.

How quickly can I get the money?

Decisions move fast, and qualified businesses can see funding in as little as 24 hours.

How much can a carrier get for a contract ramp-up?

Amounts range from $25,000 to $5,000,000. The figure depends mainly on your current monthly deposits and existing obligations, not just the size of the new contract. For illustration, a carrier with steady deposits might use part of an offer for fuel and the rest for a trailer.

Contract Fuel $40,000.00
New Trailers $60,000.00
Driver Ramp-Up $30,000.00
Insurance Change $14,000.00

Example uses for illustration only.

How to improve your chances

Carriers taking on a large contract can strengthen their position with a few steps.

  • Estimate weekly fuel and payroll for the new lanes
  • Note the shipper's payment terms and timing
  • Keep deposits flowing into one business account
  • Budget maintenance to protect uptime on the contract

Contract Funding: Us vs. a Traditional Bank

Merchant Fund Express
Traditional bank loans
Application time
About 5 minutes
Days of paperwork
Docs needed
~3 months bank statements
Tax returns, projections
Funding speed
As little as 24 hours
Often weeks
Credit range
FICO 500+ considered
Higher scores preferred
Initial credit check
Soft pull
Typically a hard pull

Get Ready for Day One of the New Contract

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

Apply for Funding
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