In trucking, the money goes out long before it comes in. Fuel, repairs, insurance and driver pay hit today; the broker pays your freight invoice in 30, 60, or 90 days. Funding bridges that gap so you never park a truck or turn down a load. Here's how to get it.
Match the funding to the need
Fuel, repairs & payroll → working capital
For everyday costs and surprise breakdowns, working capital gives you fast, flexible cash — often the same day, with no minimum credit score on many programs.
Buying trucks & trailers → equipment financing
Equipment financing funds the truck itself with little or no money down, because the equipment is the collateral. Approval is flexible even for newer authorities.
Slow-paying freight → factoring
Freight/invoice factoring turns your unpaid loads into cash now instead of waiting on brokers — approval leans on your customers' credit, not just yours.
Get your trucking business funded
Whether you're a one-truck owner-operator or running a fleet, get matched with the fastest program you qualify for — same-day options, no obligation, no hard credit pull to see them.
See Trucking Funding →How to qualify fast
- Have 4 months of business bank statements ready.
- Show steady deposits — clean statements unlock larger offers.
- Keep business and personal banking separate.
- Pick the right product — working capital for cash, equipment financing for trucks, factoring for freight.