INDUSTRY SOLUTIONS
Keep Your Fleet Moving With Fast Capital
Fuel, maintenance, insurance, driver payroll, the costs of running a transportation company never stop. We provide fast, flexible funding so you can keep trucks on the road and loads moving, even when cash flow is tight between broker payments.
Funding Amounts
$10,000 – $500,000
Approval Speed
4 – 8 hours
Credit
All credit profiles considered
Use
Fuel, fleet, payroll, insurance & more
THE CHALLENGE
The Cash Flow Crunch Trucking Companies Face
Transportation is a business where expenses hit daily but payments arrive weekly or monthly. Fuel costs alone can consume 30 to 40 percent of revenue. Add in driver payroll, insurance premiums, maintenance and repairs, permits, and compliance costs, and the gap between what goes out and what comes in can strain even the busiest carriers.
Freight brokers and shippers typically pay on Net 30 terms, sometimes longer. That means you might deliver a load on Monday and not see payment for a month or more. If you're running a small fleet, one delayed payment can create a domino effect, missed fuel stops, delayed maintenance, or the inability to take on new loads.
At Monera Capital, we've funded owner-operators, small fleet owners, logistics companies, and freight brokers. Load-based revenue has its own rhythms, and we structure funding to keep your operation running between payments.
Specialized Funding
Which Describes Your Business?
Trucking, brokerage, last-mile, and moving each carry capital differently. Find the funding built for your operation.
Freight Brokers
Pay your carriers fast while you wait weeks on the shipper. Working capital to cover the receivables spread without slowing your book.
Freight broker funding
Owner-Operators & Small Fleets
Fuel, repairs, and the truck payment are due now. The broker pays in 30. Funding that keeps the wheels turning between settlements.
Owner-operator funding
Last-Mile & Courier
Driver payroll is due weekly while your contract pays on its own cycle. Working capital to bridge the gap and ramp for peak.
Last-mile funding
Moving & Relocation
A summer-heavy season against twelve months of trucks, crews, and insurance. Funding to survive the slow months and fund the spring ramp.
Moving fundingHow Trucking Companies Use Our Funding
Fuel Costs
Cover diesel and fuel expenses across your fleet so drivers never have to skip loads or detour for cheaper fuel stops.
Fleet Maintenance & Repairs
Handle scheduled maintenance, unexpected breakdowns, tire replacements, and DOT inspection requirements without delay.
Driver Payroll
Pay your drivers on time every time, even when broker payments haven't cleared yet.
Insurance Premiums
Cover commercial auto insurance, liability premiums, cargo insurance, and workers' compensation costs.
Fleet Expansion
Add trucks, trailers, or specialized vehicles to your fleet to take on more loads and grow your operation.
Permits & Compliance
Stay current on IFTA filings, UCR registrations, operating authority renewals, and other regulatory requirements.
Funding Solutions for Transportation Companies
We offer multiple products designed for the way trucking and logistics businesses operate.
Working Capital Loans
Fast capital for fuel, payroll, insurance, and other recurring expenses that can't wait for broker payments to arrive.
Learn MoreAR Factoring
Factor your freight invoices and get paid within 24 to 48 hours instead of waiting 30 or more days for brokers and shippers.
Learn MoreEquipment Financing
Finance new or used trucks, trailers, and fleet vehicles with terms up to 60 months. The equipment serves as collateral.
Learn MoreBusiness Loans
Lump-sum capital for fleet expansion, yard acquisition, or major investments in your transportation business.
Learn MoreWhy Trucking Companies Choose Us
We've funded owner-operators running a single truck and fleet owners managing dozens of vehicles. We know load-based revenue, broker payment cycles, and the constant operational costs that come with keeping a fleet on the road.
Apply Now- We understand freight payment cycles
- AR factoring for broker and shipper invoices
- Equipment financing for trucks and trailers
- Approval in 4–8 hours
- Dedicated advisor who knows transportation
- All credit profiles considered
Simple Requirements to Get Started
If your transportation company has been operating for at least 6 months and generates $10,000 or more in monthly revenue, you're likely a fit.
6+ Months
In Business
$10K+
Monthly Revenue
All Credit
Profiles Welcome
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Transportation Funding FAQs
What can transportation and trucking companies use funding for?
Carriers use funding for fuel, fleet maintenance and repairs, driver payroll, insurance premiums, fleet expansion, and permits and compliance. Funding ranges from $10,000 to $500,000.
How can a carrier cover costs while waiting on freight payments?
Freight payment cycles can run 30 days or more while fuel and payroll are due now. Working capital bridges that, and AR factoring on broker and shipper invoices advances cash against loads you've already delivered. Equipment financing is available for trucks and trailers.
Can transportation and trucking companies qualify for funding?
Most transportation and trucking companies qualify with at least 6 months in business and $10,000 or more in monthly revenue. All credit profiles are considered, so a perfect credit score isn't required.
How much funding can transportation and trucking companies get?
Funding ranges from $10,000 to $500,000, based on your revenue and the needs of your business.
How fast can transportation and trucking companies get funded?
Most applications are reviewed and approved within 4 to 8 hours, not the weeks a traditional bank can take.
Can transportation and trucking companies get funding with bad credit?
Quite possibly. All credit profiles are considered, so past credit challenges don't automatically disqualify your business.
What funding options are available for transportation and trucking companies?
We offer multiple products, including business loans, working capital, business lines of credit, equipment financing, SBA loans, and revenue-based financing, and match you with the option that best fits your situation.
Insights
Reading for Transportation & Trucking Owners
Fuel Is Climbing Again and Trucking Capacity Is Tight
Diesel is up 87.6 cents since early July and truck capacity is contracting near a record pace. What the July freight data means for carriers and shippers.
Read Article
Invoice Factoring vs. Line of Credit: Which One Fits?
One collects money your customers already owe you, the other borrows fresh capital for any need. How to tell which cash flow gap you actually have.
Read Guide
Equipment Financing Explained: How It Works & Qualifying
Spread the cost of vehicles, machinery, or technology over fixed monthly payments while the equipment serves as collateral. How it works and who qualifies.
Read Guide