Merchant Fund Express
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Inventory Funding for Trucking Companies

Stock tires, parts and shop supplies before your trucks need them. Funding from $25,000 for regional and local carriers with steady deposits.

Check My Options

Trucking Parts & Supplies Funding

Keep the Parts Room Full and Trucks on the Road

A truck waiting on a part earns nothing. Buying tires, filters and brake parts ahead of need cuts downtime and often lowers your unit cost.

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.

Parts Funding Built Around Your Fleet

Fast decisions, light paperwork

A 5-minute application and about three months of bank statements. Qualified carriers can see funding in as little as 24 hours.

Credit history isn't the whole story

We consider FICO 500+ and look closely at the deposits your loads generate, not just a score.

Know the total before you sign

Your offer shows the full repayment amount up front, with no surprise costs added after you sign.

A schedule you can plan around

The payment schedule is laid out in your offer, so you can map it against settlements and fuel spend.

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.

What inventory means for a carrier

Trucking companies don't stock shelves for customers, but they do carry inventory. A regional or local fleet runs on tires, brake parts, filters, belts, DEF, oil and the spare components that keep a tractor from sitting in the yard waiting on a part. When that stock runs thin, a simple repair turns into days of downtime.

Inventory funding for trucking lets you buy those supplies in bulk, ahead of need, instead of paying retail one emergency at a time.

Why buying ahead pays off

Carriers that keep a parts room tend to see a few practical benefits:

The catch is cash. Stocking up ties up money that also has to cover fuel, insurance and drivers.

How we structure inventory funding

We offer working capital, a business line of credit, merchant cash advance and revenue-based financing from $25,000 to $5,000,000. For recurring parts purchases, a line of credit can fit well because you draw when you restock. For a single large tire and parts order, a lump sum of working capital for trucking is often simpler.

Your offer lists the full repayment amount and the payment schedule before you accept anything.

Who this is built for

This page is for established regional and local carriers, owner-operators running local routes, and freight businesses with steady deposits coming into a business bank account. We review about three months of business bank statements, consider FICO 500+, and don't require tax returns. Sole proprietors can apply. We do not promise funding for long-haul trucking operations.

Getting started

The application takes about 5 minutes and starts with a soft credit pull. Decisions move quickly, and qualified businesses can see funding in as little as 24 hours. If you're also weighing how to handle slower freight months, our trucking cash flow guide walks through the basics.

Frequently Asked Questions

Can I use inventory funding for tires only?

Yes. Tires are one of the most common uses. You can also put the funds toward filters, brake components, fluids, lighting and other shop supplies your fleet goes through.

Do you fund long-haul trucking companies?

Our trucking pages are built for regional and local carriers. We don't promise funding for long-haul operations, so apply and we'll review your file on its own merits.

How much inventory funding can a carrier get?

Amounts run from $25,000 to $5,000,000. The figure depends mainly on your monthly deposits and any existing obligations showing on your statements.

What paperwork is needed?

About three months of business bank statements and a short application. No tax returns are required.

Will checking my options hurt my credit?

We start with a soft credit pull, which does not affect your credit score.

Tire Stock $28,000.00
Brake Parts $12,500.00
Filters & Fluids $9,000.00
Shop Supplies $15,000.00

Example uses for illustration only.

How to improve your chances

A few habits make a carrier's file stronger before applying for inventory funding.

  • Run all load payments through one business account
  • Keep a simple parts usage log for each truck
  • Avoid overdrafts in the months before you apply
  • Have your recent bank statements ready to upload

Inventory Funding: Merchant Fund Express vs. a Bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Long forms and meetings
Documents
~3 months bank statements
Tax returns, financials, more
Credit
FICO 500+ considered
Often higher score expected
Speed
As little as 24 hours
Often weeks
Credit check to start
Soft pull
Usually a hard pull

Restock Your Shop Without Draining Fuel Money

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

Apply for Funding
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