Trucking Business Loans & Freight Funding

Funding for trucking & transportation

Trucking runs on cash that's often tied up in 30-to-60-day freight invoices while fuel, maintenance, and driver pay are due now. Freight factoring and working capital close that gap so you never have to park a truck over cash flow.

When it's time to grow the fleet or replace an aging rig, equipment financing makes trucks and trailers attainable with the asset itself as collateral.

Common uses

Get paid on freight invoices in 24 hours (factoring)
Cover fuel, tolls, and maintenance
Finance new or used trucks and trailers
Handle unexpected breakdowns and repairs
Add drivers and expand the fleet

The cash-flow challenge

Slow-paying brokers and shippers combined with high fuel and maintenance costs make trucking cash flow tight. Freight (invoice) factoring delivers same-day cash on completed loads, and equipment financing scales the fleet without draining reserves.

Best-fit products

Invoice Factoring

Turn unpaid invoices into cash now — no new debt, just money you're already owed.

$25,000 – $5,000,000 · 24 hours

Equipment Financing

Buy the equipment you need — the equipment itself is the collateral.

$10,000 – $5,000,000 · 24 – 48 hours

Working Capital

Short-term cash for payroll, inventory, and day-to-day operations — funded fast.

$5,000 – $500,000 · Same day – 48 hours

Term Loan

A fixed lump sum with predictable monthly payments — built for growth.

$25,000 – $2,000,000 · 5 – 10 business days

Frequently asked questions

What is freight factoring?

Freight factoring is invoice factoring for trucking — you sell your completed-load invoices to a factor and get most of the value within 24 hours instead of waiting 30–60 days for the broker or shipper to pay.

Can owner-operators get funding?

Yes. Owner-operators commonly use factoring for steady cash flow and equipment financing to buy or upgrade their truck, both of which are accessible without perfect credit.

How do I finance a truck?

Equipment financing uses the truck as collateral, which keeps the credit bar lower and the down payment manageable, with terms aligned to the truck's useful life.