When you own and drive the truck, a breakdown doesn't just cost a repair, it stops all of your income. Add fuel that never waits and brokers that pay 30 to 45 days out, and the margin for error is thin. Banks rarely fund a one-person operation. We fund on your settlements.
Fast reviews · Clear communication · No misleading promises
As an owner-operator, you are the driver, the dispatcher, and the back office, and your single truck is the entire business. A blown transmission or a slow-paying broker doesn't just dent the numbers; it can stop your income cold. Banks see a one-person operation with a depreciating asset and pass.
Revenue-based funding reads your settlements and deposits, so you can fix the truck, cover fuel, or put money down on a second rig, and repay as your loads pay out.
Truck and engine repairs
Fuel between settlements
Down payment on a truck or trailer
Insurance, authority, and permits
Tires and preventive maintenance
Bridging slow broker pay
ELD, tech, and compliance
A second truck to grow
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 operating under your authority or leased on
$10k+ in average monthly revenue
An active business bank account
Steady settlements or deposits
U.S.-based owner-operator
3–6 months of business bank statements
Recent settlement 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.
Transmission blew, no truck, no income
Repair funded next day, back on the road
Fuel due before a settlement lands
Drew for fuel, repaid on the settlement
Putting money down on a second truck
Lower-rate financing for the rig
Representative scenarios for illustration. Individual results, products, and timing vary.
We fund the one-truck businesses banks skip
Speed to fix the truck and keep earning
Built for owner-operators
Straight talk, no guaranteed-approval hype
Bridges slow broker settlements
One conversation to compare every fit
“My truck is my business, when it broke down I had zero income until it was fixed. They funded the repair overnight and I never missed a load after.”
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.
We tailor funding to specific businesses across the industry, explore the others.
Answer a few quick questions and a specialist will help you understand your real options, no credit pull to start.