Merchant Fund Express
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Expansion Funding for Trucking Companies

Add trucks, drivers or a new lane without waiting on months of settlements. Funding from $25,000 to $5,000,000 for regional and local carriers.

See What I Qualify For

Trucking Growth Capital

Pay for Growth Before the New Loads Pay You

A new truck, a bigger yard or a dedicated route all cost money up front. We fund the gap between the investment and the revenue it brings in.

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.

Why Carriers Use Us to Grow

Quick, light application

About 5 minutes and three months of bank statements. No tax returns. Funding in as little as 24 hours for qualified businesses.

Room for imperfect credit

FICO 500+ is considered. Steady deposits from your lanes count for a lot in how we review your file.

Total cost shown up front

Your offer shows the full repayment amount before you accept, and no surprise costs show up after you sign.

Payments you can forecast

The payment schedule is written into the offer, so you can plan it alongside fuel, insurance and payroll.

Payroll before sales come in?

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.

Growth costs money before it makes money

Every carrier that has added a truck knows the timing problem. You pay for the tractor, the plates, the insurance bump and the new driver's first weeks long before that truck's first settlement lands. Expansion funding for trucking covers that gap so growth doesn't stall on cash.

Common ways carriers expand

More power units

Adding a tractor or a box truck to cover new lanes. Equipment financing for trucking can tie the funding to the vehicle itself.

More drivers

Recruiting, onboarding and paying new hires through their first weeks.

A bigger yard or shop

Moving to a lot with room for more trucks, or setting up an in-house maintenance bay.

New service lines

Adding drayage, last-mile delivery or a dedicated regional route for a shipper.

Matching the product to the plan

We offer merchant cash advance, working capital, business line of credit, equipment financing and revenue-based financing from $25,000 to $5,000,000. A one-time purchase like a truck or yard deposit usually suits a lump sum. A staged rollout, where you add drivers over a few months, may suit a line of credit you draw on as you hire. Revenue-based financing ties payments to the revenue moving through your account.

What we look at

We work with established regional and local carriers that have steady deposits. We'll ask for about three months of business bank statements; no tax returns are required. FICO 500+ is considered, and sole proprietors can apply. We don't promise funding for long-haul trucking operations.

Your offer spells out the full repayment amount and payment schedule before you accept.

Next step

The 5-minute application starts with a soft credit pull. Decisions move fast, and qualified businesses can be funded in as little as 24 hours. Curious how funders review a carrier? See how trucking companies qualify.

Frequently Asked Questions

Can expansion funding cover a down payment on a truck?

Yes. Many carriers use funds toward a tractor, box truck or trailer. Equipment financing is another route when the vehicle itself is the main purchase.

Is there a minimum fleet size?

No fleet size is stated. We focus on established businesses with steady deposits, including owner-operators running regional or local routes.

How is the funding amount decided?

Mainly by your monthly deposits and any existing obligations. Amounts range from $25,000 to $5,000,000.

Can I use the funds to hire drivers?

Yes. Recruiting, onboarding and early payroll for new drivers are common expansion uses.

How fast can I get funded?

Qualified businesses can see funding in as little as 24 hours after approval and acceptance of an offer.

Should I expand with a lump sum or a line of credit?

If the cost lands all at once, like a truck purchase or a yard deposit, a lump sum is usually simpler. If you plan to add drivers and routes in stages over several months, a line of credit lets you draw only as each step happens, which keeps unused funds from sitting idle.

Truck Down Payment $45,000.00
Driver Hiring $20,000.00
Yard Lease Deposit $18,000.00
Shop Bay Setup $35,000.00

Example uses for illustration only.

How to improve your chances

Before you apply for expansion funding, these steps help a carrier's file read clearly.

  • Write down what the new truck or lane is expected to earn
  • Keep business and personal spending in separate accounts
  • Show steady deposits from your existing shippers
  • Bring insurance and authority documents up to date

Growth Funding Compared

Merchant Fund Express
Traditional bank loans
Paperwork
~3 months bank statements
Tax returns and business plan
Credit
FICO 500+ considered
Often stronger credit expected
Time to funds
As little as 24 hours
Several weeks is common
Product options
MCA, LOC, equipment, more
Mostly term loans
Sole proprietors
Can apply
Varies, often harder

Add the Next Truck on Your Timeline

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

Apply for Funding
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