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Merchant Cash Advance for Trucking

Trucking companies front fuel, repairs, insurance and driver pay — then wait 30 to 90 days for brokers and shippers to pay invoices. Trucking business funding bridges that gap so you can keep trucks moving and take on more loads.

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Cash flow challenges every trucking company faces

Slow-paying invoices

Net-30 to net-90 payment terms leave carriers covering weeks of costs out of pocket.

Fuel price spikes

Diesel prices can jump quickly, eating into margins on loads that were already booked.

Unexpected repairs and downtime

A single engine or transmission repair can cost tens of thousands and stop a truck from earning.

Common uses of trucking company funding

  • Truck repairs and maintenance
  • Fuel costs
  • Insurance premiums and down payments
  • Down payment on additional trucks or trailers
  • Driver payroll
  • IFTA, IRP and registration fees

Why merchant cash advances fit Trucking

Owner-operators and small fleets often have strong revenue but struggle to qualify for bank loans. A merchant cash advance focuses on deposits into your business bank account, so steady freight revenue can support fast funding.

Example: A 5-truck carrier depositing about $120,000 a month has $70,000 in outstanding invoices and needs $35,000 for a major engine repair and insurance renewal. A short-term advance can cover both while invoices are collected. (Illustrative example only; actual offers depend on underwriting.)

Requirements for trucking company funding

  • 12+ months in business
  • About $10K+ in monthly deposits
  • Last 4 months of business bank statements
  • All credit scores considered

Learn more about how a merchant cash advance works or check the full requirements.

How to apply

  1. Complete our online application (about 5 minutes).
  2. Upload your last 4 months of business bank statements.
  3. Our funding partner reviews your application and contacts you with options — funding can happen within 24 hours of approval.

Trucking funding FAQs

Can owner-operators get trucking funding?
Yes, if you have at least 12 months of operating history and consistent deposits into a business bank account.
Is this the same as freight factoring?
No. Factoring sells specific invoices. A merchant cash advance is based on your overall revenue and can be used for any business purpose.
Do I need good credit to get trucking business funding?
Credit is considered, but revenue history and bank account health usually matter more for a merchant cash advance.

See how much your business can get

Apply online in minutes. Funding from $10K to $5M, sometimes within 24 hours of approval. Free to apply, no obligation.

Start My Application Call (719) 789-5639