Funding Built for Last-Mile Delivery & Courier Companies

Yes. Single-client concentration is exactly what makes a traditional bank hesitate, because they see a business whose entire revenue runs through Amazon or FedEx with no hard collateral. We look at it differently. We underwrite on your revenue and bank deposits, not on whether your customer base is diversified, so a contracted last-mile operator is a normal approval for us, not an automatic no.

No. We fund your business, not your contract. Our capital goes to your company for driver payroll, fuel, insurance, vans, and the Q4 ramp. We do not buy, advance against, or take control of your settlement, and we are not a factoring or lockbox product that intercepts your client's payments. The settlement relationship with Amazon or FedEx stays entirely yours.

Your settlement arrives on a weekly cycle, on a lag behind the work, but W-2 driver payroll is due every one to two weeks regardless. That gap is the number-one pain for last-mile operators. Working capital advances you the cash now so drivers get paid on time while the settlement that funds it is still in transit, and you repay as those settlements clear.

Yes, and the timing is the whole point. The holiday peak forces you to hire and train drivers and stand up van capacity in October and November, before the peak revenue arrives. The 2025 holiday season was projected at about 2.3 billion U.S. packages, the most since 2022 and roughly 5 percent above 2024, with FedEx and Amazon volume up an estimated 5 to 8 percent (Supply Chain Dive / ShipMatrix). Approval typically comes within 4 to 8 hours, so you can fund the ramp ahead of the surge instead of after it.

Most last-mile and courier businesses we fund have been operating for at least 6 months and generate $10,000 or more in monthly revenue. All credit profiles are considered. Your revenue and day-to-day deposits matter more than a perfect credit score or a diversified customer list.

Approval typically comes within 4 to 8 hours, with funds following shortly after. That speed is the main reason DSP and ISP operators choose us over a bank or an SBA loan, where the same request can take 30 to 90 days, long after the payroll run or the peak ramp it was meant to cover.

Yes. Working capital covers the recurring operating costs of running a fleet: commercial auto insurance renewals, which price toward the high end for last-mile and courier work because of frequent stops and tight metro routes, plus fuel, maintenance, uniforms, and the rest of what keeps the vans on the road between settlements. You don't have to choose a use up front.

Both work, and they fit different rhythms. A business line of credit is built for the recurring weekly gap: you draw on it to make payroll between settlements, repay when each settlement clears, and only pay interest on what you use. A lump-sum working capital loan fits a larger, one-time need like a full Q4 ramp or adding routes. You apply once and we'll match you to the shape that fits your cash flow.

Yes. Because your entire revenue runs through one client that sets the rate card and assigns route volume, a route cut or a rate-card change can widen the cash gap overnight. Working capital or a line of credit can bridge the shortfall and keep drivers and operations steady while you adjust, rather than forcing a fast decision in a thin month.

Mostly operating cash, because last-mile is a payroll-and-fleet business and the vans are often leased or rented through the program rather than owned outright. The recurring strain is payroll, fuel, and insurance, which is what working capital is for. If you do own vans and want to add or replace one, equipment financing is available with the vehicle itself as collateral, but for most operators the lead need is operating cash, not an equipment note.

A business operating for at least 6 months with $10,000 or more in monthly revenue is typically a fit. We don't require years of history. We do require that 6-month minimum, so we're not able to fund a brand-new, pre-revenue startup, but a DSP or ISP that's been running routes and posting steady deposits for half a year can apply.

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 deposits carry more weight than a single credit score.