Keep your trucks loaded and rolling
Fuel, repairs, insurance and payroll don't wait for slow-paying brokers. Get matched with funding options built for small fleets and owner-operators.
Free · No obligation · No hard credit pull from us
Trucking cash flow breaks in a specific, predictable way: you pay for fuel, insurance, and the driver this week, and the broker pays you in 30 to 60 days. Factoring closes part of that gap, but reserves, chargebacks, non-factored loads and repair surprises still land on the operating account — usually all in the same week.
We match trucking companies and owner-operators with providers who fund carriers every day: working capital sized to your deposits, equipment financing for tractors and trailers, and products that sit alongside an existing factoring relationship instead of fighting it.
What trucking businesses fund
Fuel
Cover fuel for new lanes and new contracts before the first settlement arrives.
Repairs
A blown engine or transmission shouldn't park a truck for a month while cash catches up.
Insurance
Handle big annual premiums or down payments without gutting working capital.
Tires
Re-tire the fleet when it's due, not when the account allows.
Payroll
Keep drivers paid on time regardless of when brokers pay you.
Factoring gaps
Bridge what factoring doesn't cover — reserves, chargebacks and non-factored loads.
New contracts
Take the bigger contract that needs another truck and driver to service it.
Truck maintenance
Stay ahead of preventive maintenance so small problems stay small.
Check your options now
Takes a few minutes. Free, no obligation, no hard credit pull from us.
About you
What funders look for in a trucking file
Bank statements first, always — and for carriers, underwriters read them net of factoring. They want to see what actually hits your account after the factor's cut, how steady it is, and whether the account survives the weeks when a truck is down. Time under your own authority matters too: options widen noticeably after the first year, and again past two.
If you factor, say so upfront — it's normal in this industry and providers work around it daily. What sinks trucking files is stacking surprises: an advance the funder discovers in the statements, or insurance lapses that show the operation running uninsured. Clean disclosure gets you priced fairly the first time.
Advance vs. factoring — you usually don't have to choose
Factoring and working capital solve different problems. Factoring accelerates specific invoices — it's tied to your receivables and grows with your loads. A working capital advance is sized to your overall deposits and can cover what factoring never touches: the insurance down payment, the transmission that blew on a non-factored lane, the second truck for a contract you haven't started billing yet.
Many small fleets run both. The key is sequencing and honesty: a funder who knows about your factor can structure around it; one who finds out from your statements will assume you hide things.
Funding estimate calculator
A rough range based on typical provider criteria — an estimate, not an offer.
Trucking funding questions
I already factor my invoices. Can I still get funding?
Often yes. Many providers work alongside factoring — they'll look at your bank deposits and overall cash flow. Disclose the factoring relationship upfront for the smoothest review.
Does an older fleet hurt my chances?
For working capital, revenue and bank activity matter most. For equipment financing on a truck purchase, the vehicle's age and condition can affect terms.
Can owner-operators with one truck qualify?
Yes, though options widen with revenue. Single-truck operators with steady deposits are matched regularly; multi-truck operations typically see more choices.
What documents do I need?
Usually just 3 months of business bank statements to start. Larger requests may add an application and basic business documents.
How much can a trucking company qualify for?
Working capital offers are typically sized off what actually deposits to your account — for carriers who factor, that means net of the factor's cut. As a rough shape, providers commonly offer some fraction to a full multiple of average monthly net deposits, scaled by balance history and time under authority. Statements set the real number.
Can I get funding with bad credit for my trucking company?
Often yes — revenue-based providers weigh deposits and bank behavior more than personal credit, so steady settlements can carry a file with a bruised score. Expect pricing to reflect the risk, and expect better options as credit and time in business improve. Anyone promising guaranteed approval regardless of anything is a red flag.
See your trucking funding options
Two minutes to check. Free, no obligation, and no hard credit pull from us.