Fuel, insurance renewals, and repairs, covered before shippers pay. Built for established local and regional fleets doing $60K+ a month.
See fleet optionsLocal and regional fleets
Working capital and equipment financing for regional carriers, through our partner, Merchant Fund Express. Quick reviews, with timing set by your file.
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.
Qualified fleets can be funded in as little as 24 hours. About three months of statements, no tax returns, five-minute application.
FICO 500+ is considered and the first step is a soft pull. Consistent freight deposits matter.
Your offer shows the total repayment amount before you accept, so there are no surprise costs after signing.
The repayment schedule sits in your offer up front, ready to plan against broker and shipper pay cycles.
We wrote this for established local and regional fleets: delivery and distribution operators, dump and aggregate haulers, regional freight carriers, and similar businesses running daily or short-haul routes. Long-haul trucking has its own cash-flow pressures, from fuel swings to long settlement cycles, and we cannot promise funding for those operations. If you run local or regional routes and bring in $60K or more a month, read on.
Most fleets invoice on net-30 or longer, but fuel is paid at the pump, drivers are paid weekly, and a blown turbo does not wait for your customers' accounts payable. As you add routes and units, that timing gap widens. The figures below are for illustration only.
| Fleet size | Est. weekly fuel and payroll | Avg. days to get paid |
|---|---|---|
| 6 trucks | $18,000 | 35 |
| 10 trucks | $31,000 | 38 |
| 15 trucks | $46,000 | 40 |
Every new truck adds weeks of cost before its first invoice pays.
We do not promise same-day funding. The application takes about 5 minutes, decisions move fast, and qualified businesses can be funded in as little as 24 hours. Anything faster depends on your file and your bank. Funding ranges from $25,000 to $5,000,000 and is provided through our partner Merchant Fund Express.
About three months of business bank statements. No tax returns are required. FICO scores from 500 are considered, and the process begins with a soft credit pull. Owner-operators who run as sole proprietors with local routes can apply as well.
If you are building business credit for your fleet, keep doing it. That work is separate from funding. You can apply now based on revenue while your credit profile develops on its own.
Fleets that line up capital before adding a route avoid scrambling when the contract starts. Apply now and see what your revenue supports.
This page is for local and regional fleets. We cannot promise funding for long-haul operations.
Equipment financing can cover a range of commercial vehicles. The specific unit and your revenue history shape the options.
Higher costs are common in trucking. Reviewers focus on deposits and overall cash flow across about three months of statements.
Qualified businesses can be funded in as little as 24 hours. We do not promise same-day funding.
Yes. FICO 500 and up is considered, and revenue carries significant weight.
Example uses for illustration only.
Regional fleets with tidy statements move through review more smoothly.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding