Owner-operators and fleets use working capital, factoring and equipment financing. Funders review deposits, authority age and load volume.
Check my optionsTrucking and logistics
Trucking companies get funded through a mix of equipment loans for trucks, freight factoring for receivables and working capital for repairs, insurance and growth. Funders look closely at authority age, equipment, freight sources and bank deposits.
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.
Advances, lines of credit and second-position options in one place.
You can apply at 500; stronger credit opens more products.
Your file goes to funders that fit it, so offers can be compared.
A person reviews your revenue, time in business and bank activity, often within hours.
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.
Underwriters in trucking start with the operation itself: how long your motor carrier authority has been active, how many power units you run, whether you haul under your own authority or lease on to another carrier, and who your freight comes from. Newer authorities, typically under one or two years, face tighter terms because early-stage carriers have higher failure rates. Freight concentrated with one broker is a risk factor; a mix of brokers and direct shippers is stronger.
Equipment financing is the standard way to acquire tractors and trailers, with the truck as collateral and terms often of three to five years. Lenders weigh truck age and mileage along with your credit and down payment. Freight factoring then turns delivered loads into cash within a day or two, which covers fuel and driver pay while brokers take 30 to 60 days to pay.
Working capital fills the remaining gaps: an engine rebuild, the annual insurance renewal, permits or the cost of onboarding a new contract. Revenue-based funding sized on business deposits can arrive the next business day and considers credit from 500. Payments should be sized to the slower freight weeks. Some funders restrict particular trucking segments, such as single-truck long-haul operators, so comparing several through one application improves your odds.
Keep documents ready: MC/DOT numbers, insurance certificates, equipment list, factoring statements if you factor and complete bank statements. Clean records shorten review considerably.
Here is a working capital offer for a carrier covering a major repair. Illustrative numbers.
| Amount funded | $50,000 |
| Factor rate | 1.25 |
| Total payback (amount × factor) | $62,500 |
| Fees deducted at funding (4%) | $2,000 |
| Net cash you receive | $48,000 |
| Weekly payment over 26 weeks | $2,404 |
| Same total as daily debits (~130 business days) | $481/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Authority age | Older is stronger |
| Power units and equipment age | Capacity and reliability |
| Freight sources | Diversified brokers and shippers preferred |
| Factoring arrangements | Existing liens on receivables |
| Bank deposits | Consistency across weeks |
Good fit:
Probably not yet:
It is harder with authority under a year; equipment financing and factoring are usually the first options.
Factors often hold a lien on receivables, which other funders must consider.
Revenue-based funding or a line of credit can arrive within days.
Yes, diversified freight lowers risk.
No, some restrict certain segments; comparing helps.
MC/DOT numbers, insurance, equipment list and bank statements.
Usually not for revenue-based funding, but keeping them current avoids compliance issues that could interrupt operations.
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