Cover fuel, payroll, and repairs while freight invoices pay out. For regional and local carriers with steady deposits. No tax returns.
See My OptionsWorking Capital
Every load costs money before it earns any. Working capital keeps your operation funded through slow-pay weeks, seasonal dips, and surprise shop bills.
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.
About five minutes plus three months of statements. Qualified carriers can be funded in as little as 24 hours.
FICO 500 and up considered. We look at how consistently freight revenue hits your account.
The full repayment amount is in your offer before you accept, with no surprise costs after you sign.
Your offer sets out the repayment schedule up front so you can map it to your cash cycle.
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.
A trucking company can be busy and still short on cash. Every load you haul costs fuel, driver time, and wear before it earns a dollar, and the payment often shows up weeks later. Add a seasonal dip in freight or a big repair and the account runs thin fast. Working capital is the cushion that lets you keep saying yes to loads.
We provide working capital to established regional and local carriers with steady deposits, from $25,000 to $5,000,000.
For illustration: a local carrier running eight trucks might bill steadily each month but wait 35 to 45 days on most of it. Meanwhile fuel and payroll leave the account weekly. Working capital covers that timing difference so the company is not choosing between paying drivers and fixing a truck. The right amount depends mainly on your deposits and what you already owe.
Start with our 5-minute application. We ask for about three months of business bank statements. No tax returns. The first credit check is a soft pull, and FICO scores of 500 and up are considered. Sole proprietors and owner-operators can apply.
If you qualify, your offer lists the full repayment amount and the repayment schedule before you accept. Qualified businesses can be funded in as little as 24 hours.
Working capital is a broad category. For a one-time lump sum tied to revenue, see our merchant cash advance for trucking. For recurring needs, a line of credit lets you draw as needed. The trucking cash flow guide covers how to plan ahead.
No. Many carriers use it to take on new work, cover seasonal dips, or keep payroll steady while invoices are outstanding.
Our trucking funding is built around regional and local carriers. Apply and we will review what fits your operation.
About three months of business bank statements and a short application. No tax returns are required.
Yes. FICO 500 and up is considered, and we start with a soft pull.
Your offer lays out the schedule and the full repayment amount before you accept, so there are no surprises later.
Example uses for illustration only.
These steps tend to strengthen a carrier's working capital request.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding