Funding Built for Owner-Operators & Small-Fleet Trucking

You don't need a fleet. We fund owner-operators and small fleets, including single-truck operations. What matters most is that the business has been running for at least 6 months and brings in $10,000 or more in monthly revenue, not how many trucks you run.

Approval typically comes within 4 to 8 hours, with funds following shortly after. For a one-to-three-truck operation, a broken truck is the whole business, so speed is the point. When the all-in cost to operate a truck is high and the margin per mile is thin, every day a unit sits idle is lost revenue. Working capital gets the engine, transmission, or aftertreatment fixed and the truck earning again.

Yes. Freight invoices are the textbook factoring asset: brokers and shippers typically pay on Net-30, and invoice factoring turns a delivered load into cash, often within 24 to 48 hours, so you're not financing the broker for a month on every load. You can apply once and we'll match you to factoring, working capital, or both, based on how your cash actually moves.

Factoring advances cash against a specific delivered load's invoice, invoice by invoice, so it's tied to the Net-30 gap on freight you've already hauled. Working capital is a lump sum you can put toward anything, a sudden repair, an insurance renewal, fuel before the last load clears, or payroll, regardless of which invoice is outstanding. Many owner-operators use working capital for the structural gap and factoring for the invoice-by-invoice float. You don't have to choose up front. Apply once and we'll match you.

It depends on how long the business has been operating and bringing in revenue. Our standard requirement is at least 6 months in business and $10,000 or more in monthly revenue, so a brand-new authority with no operating history usually falls below that line. If you've been running a few months and are building steady revenue, apply and we'll tell you where you stand, with a soft credit check that won't affect your score.

Yes. Small fleets pay a steep insurance burden: ATRI research on 2024 data found fleets of 25 trucks or fewer paid about 20.3 cents per mile in liability premiums, nearly double the 10.4 cents per mile of fleets of 101 to 250 trucks, with insurance eating nearly 5 percent of a small carrier's asset-based revenue. That renewal can land as a five-figure lump all at once. Working capital lets you absorb it, or move from monthly-financed premiums to a paid-in-full discount, and it covers the fixed monthly truck note through a slow stretch too.

Checking what you qualify for uses a soft credit pull that won't affect your score, and there's no obligation to move forward. We consider all credit profiles, including owner-operators a bank has already declined. Your revenue and how the business is running matter more here than a perfect credit score.

We're a transparent funding partner, not a predatory advance shop. The terms are disclosed up front, and we fund the trucking business so you can keep covering fuel, repairs, insurance, and payroll. If a flexible-repayment structure fits, our Revenue-Based Financing option is always optional and fully disclosed, with repayment that flexes to what you haul rather than a rigid drain on every deposit. You'll know exactly what you're agreeing to before you sign.

Yes. Diesel is due at the pump, but the load you just hauled may not pay for another month under Net-30 terms. That's the core mismatch in this business. Working capital, a line of credit, or factoring an outstanding invoice all keep fuel in the tank so you can run the next load instead of waiting on the last one to clear.

It's a short application, not a bank-style packet. We generally look at a few months of recent business bank statements to confirm revenue, plus your operating authority and basic business details. We don't need a perfect credit file or years of tax returns, the focus is on how the operation is running now.

Yes. Equipment financing fits the next tractor or trailer, with terms that spread the cost and the equipment itself usually serving as collateral, which often makes approval easier. For the down payment or the operating cash to take on new lanes, working capital can bridge it. Apply once and we'll match you to the right mix.

Most owner-operators and small fleets 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 freight revenue and day-to-day performance matter more than a perfect credit score.