Fuel, repairs, and driver pay come due now, but brokers and shippers can take 30, 45, even 60 days to pay. That gap is where good trucking companies get stuck. We fund on your revenue so you can stay loaded while the invoices catch up.
Fast reviews · Clear communication · No misleading promises
Trucking is a high-revenue, high-cost business with a timing problem: fuel, maintenance, insurance, and driver pay never wait, but payment from brokers and shippers often lands weeks after the load is delivered. Banks see lumpy, invoice-based revenue and hesitate.
Revenue-based funding reads what actually matters, your deposits and settlements, so a busy carrier can get capital fast. Fix a truck, cover fuel, make payroll, or take on more freight without waiting on someone else's accounts-payable cycle.
From the smallest operation to a multi-unit group, if you have steady sales, there's likely a path worth exploring.
Single-truck businesses
Multi-truck carriers
Local & regional delivery
Car & vehicle hauling
Temperature-controlled
Oversized & specialized
Time-critical freight
Storage & fulfillment
Fuel and DEF between settlements
Truck and trailer repairs
Down payment on new equipment
Driver pay and payroll
Insurance and permit renewals
Covering slow-paying invoices
Tires, parts, and maintenance
Adding trucks or expanding routes
A rough guide by monthly revenue. Actual offers depend on your full profile, these are estimates, not quotes.
Estimates only, not an offer of credit. Approval and amounts are subject to underwriting.
The options businesses like yours reach for most. Not sure which is right? We'll help you compare in one conversation.
A realistic picture of what we look for, and what to have ready so things move quickly.
6+ months in operation
$10k+ in average monthly revenue
An active business bank account
Steady deposits or settlements
U.S.-based carrier or logistics business
3–6 months of business bank statements
Recent settlement or invoice statements
A government-issued photo ID
Business info (EIN, MC/DOT if applicable)
Share your restaurant, monthly sales, and what you need. Five fields, no credit pull at this stage.
We look at recent deposits and card volume to understand what you may qualify for.
See the products that fit your situation side by side, in plain language.
Once you choose a direction, funds for fast options can land in as little as a day.
Truck down with a load waiting
Repair funded next day, load delivered
Brokers paying 45 days out
Drew to cover fuel, repaid on settlement
Adding two trucks to the fleet
Lower-rate financing for the expansion
Representative scenarios for illustration. Individual results, products, and timing vary.
We fund on revenue, not just credit
Speed to fix a truck and stay loaded
Works for owner-operators and fleets
Straight talk, no guaranteed-approval hype
Bridges slow broker and shipper pay
One conversation to compare every fit
A merchant cash advance is the purchase of future receivables, not a loan, and it is priced with a flat factor rate, not an interest rate. That makes it fast and flexible, but the daily remittance does not pause for a slow week. Here is where owners in your line of work feel it.
A daily debit collides with 30 to 60 day broker pay, so a slow-settlement week can squeeze fuel and driver pay before the loads you already ran actually settle.
Diesel prices and a surprise breakdown can blow up a week’s costs, but the remittance keeps pulling the same amount regardless of whether the truck turned a profit or sat in a shop.
A deadhead stretch or a detention delay shrinks revenue without shrinking the daily pull, which is how owner-operators end up funding the gap with a second advance.
Factoring an invoice and carrying an advance at the same time means two claims on the same load, so the combined drain has to be modeled together, not one at a time.
Picture an owner-operator who takes a $40,000 advance at a 1.35 factor to cover a transmission rebuild and keep the truck loaded. Total payback is $54,000, a flat $14,000 cost with no compounding. Over about 10 months of business days that is roughly $257 a day, money that leaves the account whether or not a broker has paid the loads behind it, so the safe way to read it is against your lowest recent settlement week, not a strong one. Any APR shown on that offer is an APR-equivalent, an estimate for comparison only, never a contractual rate.
Illustration only, not an offer of credit. A factor rate is a flat multiplier; any APR shown is an APR-equivalent for comparison only. Actual terms vary by funder and underwriting.
“A blown transmission could have parked us for a week. Funded the next morning, we kept the truck loaded.”
Representative experience. Individual results vary. No outcome is guaranteed.
Still have a question? A specialist can usually answer the same business day.
Start a review→Plain-English answers to the questions owners ask before they apply.
Answer a few quick questions and a specialist will help you understand your real options, no credit pull to start.