Fuel, drivers, and repairs are due now; shipper payments come weeks later. Built for established local and regional fleets doing $60K+ a month.
Fuel my peak seasonRegional Freight
Peak freight volume stretches cash between loads and payments. Local and regional carriers can apply through our partner, Merchant Fund Express.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Short application and about three months of statements. Qualified carriers can be funded in as little as 24 hours.
FICO 500+ considered with a soft pull to start. Steady deposits from shippers carry weight.
Your offer shows the full repayment amount up front, so you can weigh it against peak-season lane revenue.
The repayment schedule is in your offer before you accept, so you can plan it around shipper pay cycles.
This page is for carriers running local delivery, drayage, and regional routes: businesses moving freight within a metro area or a multi-state region and getting home most nights. That is the kind of operation we focus on. Long-haul trucking has its own cash-flow pressures, but we do not promise funding for long-haul operations, and this page does not cover them.
This is an illustration, not our terms. A regional carrier with 12 trucks deposits about $180,000 in a normal month. In October and November, it can book 30 percent more loads, but that means roughly $40,000 more in monthly fuel and driver costs up front, while the matching revenue arrives four to six weeks later. Without capital, the carrier turns loads down. With a planned amount sized to that gap, it runs the extra freight and repays as receivables come in.
| Need | Product | Why it fits |
|---|---|---|
| Fuel and driver costs | Working capital | Lump sum to cover the peak gap |
| Unpredictable repairs | Line of credit | Draw only when a truck goes down |
| Adding a truck or trailer | Equipment financing | Tied to the equipment |
| Revenue that swings by season | Seasonal revenue-based financing | Repayment follows revenue |
Speed matters in freight; see fast funding for trucking for how quickly decisions can move.
About three months of business bank statements show the rhythm of broker and shipper payments. Funders weigh deposit consistency, average balance, existing truck notes or advances, and any NSFs in context. Time in business and FICO matter too; FICO 500+ is considered. No tax returns are required.
The application takes about 5 minutes and starts with a soft credit pull. Qualified businesses can be funded in as little as 24 hours, with funding provided through our partner Merchant Fund Express. Our program is built for established businesses doing $60K or more a month, and owner-operators running as sole proprietors can apply. Start your application in September, not mid-November.
We focus on local and regional carriers. We do not promise funding for long-haul operations.
Equipment financing can be used for trucks and trailers, with the amount tied to the equipment purchased.
Funders read payment patterns on your statements. Slow but steady receivables are part of normal freight cash flow and are weighed in context.
Funding ranges from $25,000 to $5,000,000, depending mainly on deposits and existing obligations like truck notes.
These are separate products. Working capital, lines of credit, MCAs, and equipment financing are what is offered through Merchant Fund Express.
Example uses for illustration only.
Regional carriers can tighten their file with a few steps.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding