Truck, trailer, and receivables financing for carriers.
Owner-operators and fleets run on two things: equipment that stays on the road and invoices that get paid. We arrange truck and trailer financing and freight-receivables funding built around how carriers actually earn. Serving carriers nationwide.
We know how fleets really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
How each option works
The programs our lending partners actually offer businesses like yours. Not sure which one? Check your options and we'll match the structure to the deal.
Truck & Trailer Financing
Trucks and trailers for owner-operators and fleets.
See terms & details →Invoice Factoring
Get paid now, not in 60 days.
See terms & details →A/R Line of Credit
A revolving line backed by receivables.
See terms & details →SBA 7(a) Loan
The most flexible SBA loan there is.
See terms & details →Want the full picture first? Get a free Capital Position Report — where your business stands and what it likely qualifies for.
The pressure points we solve
The cash-flow squeezes we hear about most — and the fair fix for each.
The squeezeA truck goes down and the load board doesn't wait.
The fair fixTruck and trailer financing with tiers for owner-operators and established fleets.
The squeezeBrokers and shippers pay in 30 to 60 days — fuel is due today.
The fair fixFreight-receivables funding that turns delivered loads into cash in days.
The squeezeMost working-capital lenders won't touch trucking.
The fair fixPrograms that actually lend to carriers, instead of a daily-debit advance.
What fleet owners use it for
Put the capital where it moves the needle most.
Power units & tractors
Dry van, reefer & flatbed trailers
Fleet expansion
Fuel & payroll while invoices clear
Major repairs & rebuilds
Buying out a lease
What it takes to qualify
Most deals here are secured by equipment, trucks, receivables, or property — but if you need cash-flow financing, that path qualifies differently.
Real Estate & Assets
- Credit generally 620+ (equipment) to 640+ (rental property)
- Equity or down payment — typically up to ~75% loan-to-value
- The property's income covers the payment (DSCR programs)
- No tax returns required on most DSCR programs
- Entity docs, insurance, and a purchase contract or payoff statement
Business Capital
- Operating at least a few months under current ownership
- Roughly $17,000+ per month in business revenue
- Personal credit around 575+ on most programs
- Not over-extended on existing cash advances
- Bank statements usually enough to start — no tax returns to check options
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your fleet?
Two minutes, no obligation, no credit impact. Or call (337) 270-2036.
