Industries
Business Funding for Trucking & Logistics
Tractors, trailers, fuel, and repairs — structured around freight revenue and settlement cycles.
- No upfront fees
- Soft credit pull
- All 50 states
Common Scenarios
Why trucking businesses call us
A truck down with an engine bill
An in-frame or an aftertreatment failure is a five-figure repair and a truck that earns nothing while it sits. Speed matters more than price here, and same-day working capital is usually the only product that moves fast enough.
Adding a tractor and a reefer for a dedicated lane
A shipper offers steady freight if you can cover it. Equipment financing puts the tractor and trailer on the road against the lane they'll run, spread over years rather than paid from reserves.
Fuel and driver pay against 30-day settlements
Brokers settle on their calendar, not yours, while fuel and drivers are due now. Working capital or a line of credit carries the float between the load delivered and the money received.
Funding That Fits
Which option usually fits — and why
Listed in the order they most often come up for this industry. Most files end up using one; some use two together.
Qualifying
What you'll need
- Six or more months operating under your own authority
- Active MC and DOT numbers and current insurance
- Roughly $10,000+ per month in settlements deposited to a business account
- A CDL and driver history for owner-operator files
- An equipment quote, dealer invoice, or bill of sale for financing
- Your factoring arrangement disclosed, if you factor
How Lenders Read It
Freight rates move and so do your deposits. What underwriting wants to see is that settlements land in the business account consistently — carriers who route money through personal accounts or leave it with a factor without documentation are the hardest files to place, regardless of how well the trucks are running.
See the full processFAQ
Questions from trucking owners
I'm an owner-operator with one truck. Can I qualify?
Yes. Single-truck operations are funded regularly, most often for repairs, fuel, or a second truck. The amount will be sized to your settlements, so a one-truck file supports a smaller advance than a ten-truck fleet.
Can I finance a used truck with high mileage?
Often, yes, though mileage, model year, and engine matter a great deal to term and pricing. Send the year, make, model, and mileage up front so your advisor can go to lenders who actually finance that vintage rather than wasting a week.
Does factoring disqualify me?
No, but it changes the picture. If a factor already holds your receivables, some lenders will decline and others will fund alongside it. Disclose the factoring relationship at application — it determines where the file can go.
More questions? Read the full FAQ
Funding for your trucking business.
One application, real offers to compare, and no fee unless your business is funded.