Trucking repairs
For a regional fleet, one tractor down means lost loads every day. Here is how to put the repair, downtime and existing obligations on one page and decide if funding the repair actually pays.
✓ Checking what you qualify for does not affect your credit score.
Updated October 13, 2026 · Merchant Fund Express
Regional and local carriers with an operating fleet and repeat freight. We do not promise funding for long-haul trucking.
Trucking carries its own rules on our revenue-based tier: 3 years in business, $200,000 in revenue, and contracts with Amazon, FedEx or UPS. A carrier without those contracts may still read against our first tier (3+ years, 650+ FICO, $25,000 a month, 8+ deposits). See funding requirements before applying.
A six-tractor regional carrier running dedicated routes for a parcel contract loses an engine on one unit.
| Item | Amount |
|---|---|
| Repair invoice (in-frame rebuild, parts and labor) | $24,600 |
| Shop time | 9 business days |
| Revenue that unit earns per working day | $1,150 |
| Revenue lost during repair (9 days) | $10,350 |
| Insurance / warranty coverage | None (wear item, out of warranty) |
| Existing obligations on the fleet | Two tractor notes: $5,200 a month combined |
| Fleet deposits, last 3 months average | $118,000 a month |
All figures in worked examples are illustrations of the arithmetic, not offers or quotes. Real terms depend on your file and the funder.
Lay the payment against the fleet, not the one truck. Three tests:
| Test | Numbers | Read |
|---|---|---|
| Payment vs. the repaired truck’s revenue | $720 a week vs. about $5,750 a week earned | Covered about 8 times |
| All debt payments vs. fleet deposits | $5,200 notes + $3,120 a month new = $8,320 vs. $118,000 | About 7% |
| Worst month test | Deposits fall 20% to $94,400; fuel and payroll unchanged | Check the balance stays above zero after all debits |
If the truck earns its payment several times over and the fleet’s debt load stays modest in a weak month, the repair is worth funding. If the truck is underused or the contract is ending, it may be cheaper to park or sell the unit.
Factored carriers should read funding with factored revenue first. For a broader view see trucking funding and urgent truck repairs. Then check what you qualify for.
We do not promise funding for long-haul trucking. Regional and local carriers that meet the trucking rules are reviewed.
On the revenue-based tier: 3 years in business, $200,000 in revenue and contracts with Amazon, FedEx or UPS. Our first tier has its own published thresholds.
Same-day decisions on complete files, with funding in as little as 24 hours for qualified businesses.
If the next major repair is close and the unit is past most of its life, price a replacement with equipment financing and compare the yearly cost.
It is counted as an obligation. A funder reads it alongside your deposits to see whether a new payment fits.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
