Fuel, repairs and driver pay come before the load is paid. See how regional and local carriers manage the gap, and how our funding helps.
Start ApplicationTrucking cash flow
For regional and local carriers, the wait on load payments can stretch cash thin. We fund from $25,000 to $5,000,000.
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.
5-minute application with about three months of bank statements. As little as 24 hours to funding if qualified.
FICO 500+ considered, with deposit history weighed heavily.
Your offer shows the total repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is in your offer up front, so you can plan it against load payments.
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.
This trucking cash flow guide is written for regional and local carriers. Fuel is paid at the pump, drivers are paid weekly, and a load may not be paid until weeks after delivery when the shipper or broker processes the bill. Add insurance, permits, tires and maintenance and it is easy to be busy and short on cash at the same time.
Send delivery paperwork the day a load drops. Track cost per mile on each route and drop lanes that do not cover it. Schedule preventive maintenance so repairs are planned rather than roadside surprises. Build a reserve for insurance renewals instead of paying them from operating cash.
It also helps to keep fuel cards, repair invoices and settlement statements organized by truck. When you can see what each unit earns and costs, decisions about adding equipment or dropping a lane get much easier, and your bank statements tell a cleaner story.
Regional freight has its own rhythm. Produce, building materials and retail restocking all move volume differently through the year, and local delivery can tighten or loosen with construction and consumer spending. A carrier that knows its busy and slow lanes can plan maintenance for quieter weeks and keep cash in reserve for peak demand. If you are adding a truck, budget for insurance, plates and a driver before the new unit pays for itself. See how trucking companies qualify to learn how deposits, obligations and credit are weighed.
Merchant Fund Express works with regional and local carriers. Options include working capital for trucking for fuel and payroll, a business line of credit for trucking, and equipment financing for trucks and trailers. If a truck is down, see trucking equipment repair funding. We fund from $25,000 to $5,000,000 and review about three months of bank statements. Apply in 5 minutes.
Our trucking programs are built for regional and local carriers, so that is where we focus. If you run local or regional routes, apply and we will review your recent deposits and current obligations to see what fits.
Yes. Repairs that keep a truck on the road are a common use of working capital.
FICO 500+ is considered. Steady deposits from hauling carry real weight.
Qualified businesses can be funded in as little as 24 hours.
Sole proprietors can apply, including owner-operators running regional or local routes.
Yes. Covering fuel and driver pay between delivery and payment is a common use of working capital for regional and local carriers.
Example uses for illustration only.
Carriers that do these things tend to have steadier deposits.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding