Can I get trucking business funding if my truck already has a lien?
Usually yes. A lien on your truck does not block revenue-based working capital, because that financing is underwritten against your business bank deposits rather than against the truck. The lien matters when you are asking for equipment financing on that same truck — there the lender needs the collateral position, and an existing lienholder sits ahead of them.
Why does a lien matter less for revenue-based financing?
Revenue-based financing is repaid from future receipts, so the underwriter is reading deposit consistency, average daily balance, and negative days — not a title. Your truck is not pledged, so who holds the lien on it does not change the decision.
What do funders actually look at on a trucking file?
Three to six months of business bank statements, monthly deposit volume and how steady it is, how many negative days and overdrafts appear, and time in business. Broker fuel-advance timing and factoring proceeds show up in those statements, so it helps to be able to explain which deposits are which.
When does the lien actually become a problem?
When the request is equipment financing secured by that truck, or when the existing lienholder's payoff exceeds what the truck is worth. In those cases the workable route is normally revenue-based working capital instead, which does not touch the title.
Check what you qualify for
Four questions, a soft pull only, and no upfront fee. We are a broker: we place your file with funders and are paid by the funder on close, so nothing is charged to you to apply.
Start the prequalification · Trucking business funding guide · More funding questions