Trucking working capital & lending

Load-based revenue; broker payment cycles 30-60 days; fuel + maintenance + driver pay are the main variable costs. Revenue-based underwriting available — businesses with strong monthly revenue qualify even when credit is imperfect.

Request a quote → Book a 15-min call When to apply

Common uses of capital in trucking & transportation

Truck purchase or lease (new or used tractor)
Fuel + maintenance during AR float
Trailer expansion (dry van, reefer, flatbed)
ELD / fleet management technology
Bridge between broker payments

Best-fit lending products for trucking & transportation

Invoice factoring — trucking factoring is THE established product for owner-operators and small fleets
Equipment financing — purpose-built tractor + trailer financing programs
Working capital advance — for fuel + maintenance during expansion
Lines of credit — for established fleets with strong DOT history

Seasonality & timing: Light variation by freight category; produce season drives reefer demand spike May-October.
Qualification benchmark: Owner-operators and small fleets ($50K+ monthly broker revenue) qualify for factoring + equipment financing immediately. Established fleets ($150K+ monthly) qualify for first-position lines of credit.
Relevant NAICS codes: 484110, 484121, 484122, 484210, 484220, 484230

Other industries we work with

Restaurant & Food Service Auto Repair & Body Shop Medical & Dental Practice Construction & Trades Retail & E-commerce Professional Services Beauty, Salon & Spa

← back to Lending hub · read articles · all industries

Ready to apply?

3-minute prequalification. No SSN/EIN at this stage. Soft-quote within 1 business day.

Get my soft-quote →