Capital for freight carriers, trucking fleets, and owner-operators. From truck purchases and trailer financing to fuel advances and insurance premiums — designed for the specific cash flow dynamics of commercial transportation.
Trucking companies operate on a fundamental cash flow mismatch: drivers and fuel costs are paid weekly, while freight invoices are collected on net-30 to net-45 terms. A carrier doing $500,000 in monthly revenue may have $250,000+ in outstanding freight bills at any given time. Factoring those freight bills — converting them to cash within 24 hours — is how the most profitable carriers manage cash flow without interrupting operations.
Beyond cash flow, the trucking industry requires continuous capital investment: commercial truck prices averaging $150,000–$180,000 per unit, annual insurance premiums of $15,000–$25,000+ per truck, fuel costs that represent 20–30% of operating expenses, and mandatory DOT compliance costs. Our programs cover the full spectrum of trucking capital needs from day one for owner-operators to fleet expansion for established carriers.
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Top picks from our 72-lender review of operators who actually fund this industry well.