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Keep freight moving — fund trucks, repairs, fuel, and the gap between delivery and payment.
Trucking cash flow runs on other people's payment schedules: you deliver today and the broker pays in 30–60 days, while fuel, insurance, maintenance, and driver pay bill continuously. One blown engine or one slow-paying shipper can idle a truck that should be earning. Funding sized to your monthly revenue closes that gap.
We fund owner-operators and fleets — long-haul, regional, last-mile, hot shot, and specialized freight — at $5,000–$10 million. Underwriting reads your deposits, and files that use freight factoring are familiar territory: factored deposits count as revenue. Qualification is the standard bar: 4+ months operating, $10,000+ in monthly revenue.
Read the way an underwriter reads them, a carrier's statements show three clocks running against one. Fuel settles at the pump before the load has moved, driver pay settles weekly, invoiced or not, and insurance, permits and financed equipment settle monthly in advance — while the money that covers all three arrives only when the broker's terms run out. That gap is structural rather than a symptom of a weak operation: a carrier running perfect utilisation carries it too. Factoring moves the revenue clock and leaves the other three where they are, so a factored carrier still carries a fuel and payroll position, only a shorter one. One consequence follows: each tractor added brings its own fuel position with it — what it burns in a day, times the days until the load it burned it on is paid — and that position never amortises while the tractor runs.
Carriers typically see 80%–150% of monthly revenue inside $5,000 to $10 million. An operator running $45,000 a month generally lands in the $36,000–$67,500 band. If you factor invoices, the deposits underwriting reads are post-factoring proceeds, which is worth raising early so the sizing conversation starts from the right number.
We arrange equipment financing through a direct lending partner; what we fund in house is working capital, which can pay for equipment too. A specific truck or trailer with a quote is where equipment financing tends to fit; repairs, fuel and operating costs fit working capital. Many carriers run both.
Decisions inside 24 business hours and, on deals up to $2 million, funds within 24 hours of approval. A truck earning nothing is the definition of revenue-critical — tell your advisor and the file gets prioritized.
It affects the numbers underwriting reads, since deposits arrive as post-factoring proceeds. It doesn't disqualify you — just raise it early so sizing starts from the right figure.
The decision is read from four months of business bank statements, and on the compliance side the table stakes are the two items on the qualification list: active MC or DOT authority and current insurance. What stops deals is a lapse — an authority in revocation, or insurance that has come off — because a carrier that cannot legally run cannot generate the deposits the repayment comes from. If your authority or insurance status is anything other than straightforwardly current, say so when you apply rather than leaving it to surface later. The credit side is a soft credit pull only, so nothing here touches your personal score.
It is a factor rather than a disqualifier, and it is visible whether or not you raise it, because concentration reads straight off the deposits: a book that settles mostly from one payer looks like a single point of failure rather than a customer list. With a broker that pays reliably, it tends to move an offer toward the conservative end of the 80% to 150% sizing band rather than ending the file. What changes the reading is context you supply — how long the relationship has run, whether days-to-pay has been steady, and what else is in the pipeline.