Funding Built for Freight Brokers

Yes. A brokerage is asset-light by design, and our funding is based on your revenue and receivables, not on equipment or collateral. We look at how much freight you move and how your business is performing, not whether you own a single truck. That's exactly why working capital fits an asset-light intermediary better than products built around hard assets.

That spread is the whole reason brokers come to us. To win and keep good carriers, you settle them fast, often in a day or two, while the shipper takes 30, 60, or more days to pay you. Working capital advances the cash so you can fund carrier quick-pay out of capital instead of your operating balance, then repay as the shipper invoices clear. You stay competitive for capacity without draining the bank on every load.

Factoring turns your unpaid shipper invoices into cash now instead of waiting out net terms. Because the brokerage's defining problem is the receivables gap, you pay carriers fast and wait weeks on shippers, factoring against those shipper receivables is the most natural structural fit. It lets you offer carrier quick-pay without floating the spread yourself. We'll walk through whether factoring or flexible working capital is the better bridge for how you actually get paid.

We do not issue or provide the BMC-84 bond itself, that's a surety product from a bonding company. What we do is give you the working capital to stay liquid enough to protect it. Every property broker must keep $75,000 in financial security on file with FMCSA to hold operating authority, and our funding helps you keep that cushion healthy so a timing crunch never threatens your bond or your authority.

Under the FMCSA financial-responsibility rule effective January 16, 2026, your available security has to stay at the full $75,000. If a paid claim drops it below that and it isn't replenished within the FMCSA notice-and-replenishment window, roughly 7 days, your operating authority can be suspended. The rule also limits the trust option to cash, U.S. Treasuries, and letters of credit from federally insured institutions. The practical takeaway is that keeping a healthy cash cushion is now closer to a license-to-operate requirement, and working capital is one way to make sure you can replenish quickly if you ever need to.

Yes. A broker is on the hook to pay the carrier for a delivered load even when the shipper pays late, disputes, or never pays, and even when you're the victim of fraud. Double-brokering and identity-spoofing scams have surged: the Transportation Intermediaries Association's Watchdog program logged more than 1,600 fraud reports between September 2024 and February 2025, a 65 percent increase over the prior period, with 34 percent of respondents naming unlawful brokerage as their top fraud scheme and 22 percent reporting more than $200,000 lost to fraud in just six months. A single bad debt or fraud hit can wipe out the thin margin on dozens of clean loads. A cash buffer lets you absorb that and keep paying your honest carriers on time.

Checking what you qualify for uses a soft credit pull that won't affect your score, and there's no obligation to move forward. All credit profiles are considered. Your revenue and how your brokerage is performing matter more than a perfect credit score.

Approval typically comes within 4 to 8 hours, with funds following shortly after. That speed is the main reason brokers choose us over a bank or an SBA loan, where the same request can take 30 to 90 days, long after the carrier needed to be paid and the cash gap had to be covered.

Most brokerages we fund have been operating for at least 6 months and generate $10,000 or more in monthly revenue, and all credit profiles are considered. Because a brokerage is asset-light, we underwrite on your revenue and receivables rather than hard collateral.

No. Monera funds your brokerage's working capital, it is not a freight-bill collection or payment-processing service, and it does not take over your carrier-settlement or quick-pay program. We give you the capital to pay carriers fast and protect your bond. We don't run your back office or step in between you and your carriers. How you settle and manage those relationships stays entirely with you.

Yes. Growth is one of the most common uses, and for a brokerage it's also a cash-flow problem: the more load volume you add, the more carrier payments you front before shipper money lands, so success itself ties up cash. You can put the funding toward hiring sales agents and support staff, scaling load volume, and investing in a transportation-management system, load-board access, and carrier-vetting tools.

A trucking company carries trucks, fuel, and maintenance, so its capital story centers on those assets and often on equipment financing. A brokerage owns none of that. Its entire margin sits inside the spread between what the shipper pays and what it pays the carrier, fronted with no hard asset behind it. So broker funding is almost entirely working capital to float the receivables gap and keep a liquid cushion, not equipment financing. We underwrite accordingly.