A fleet is not a fleet. What you haul changes everything.
Owner-operators with two rigs to regional carriers running fifty tractors. Repairs, insurance down payments, truck deposits, fuel float between loads: if it is a truck-money problem, we have seen the file before.
How the money
actually moves.
General freight runs on thin rate-per-mile margins. Hazmat, reefer and specialized pay materially better. So the first thing we ask is what you haul, because it changes how the file is read and what structure fits.
Most serious carriers already factor their invoices. That is cushion, not competition: receivables convert on a schedule, which is exactly the steadiness an underwriter wants to see. An advance covers what factoring never does, the repairs, the insurance down payment, the deposit on the next truck and the fuel float between loads.
Three things it is
usually for.
Engine or transmission down
Two trucks in the yard is two trucks not earning. Capital sized to the repower, so they can get back to work.
Insurance down payment
Renewal lands, the carrier wants a large down payment, and the loads do not stop. A short bridge sized to the premium.
Adding a truck
Equipment financing for the tractor or reefer, with the unit as collateral, alongside working capital for the deposit and the first month on the road.
What your underwriter
reads first.
Specific to trucking files. The general read, six things every file gets, is on the how it works page.
- 01Factoring deposits read as steady revenue. We treat them as the strength they are.
- 02We look at the load count and the deposit rhythm together: steady weekly settlements are a strong file.
- 03Fuel card and repair debits tell us the real operating picture; we do not size against gross deposits.
What a workable
trucking file looks like.
These are shapes, not gates. The funder sets the floor, and we place the file where it fits or tell you plainly if it does not.
- Active DOT and MC authority in good standing
- 6+ months of operating history, or roughly a year as an owner-operator
- Revenue through a business bank account
- Any credit profile
Asked by
trucking owners.
Yes. Single-truck owner-operators with about a year of history and consistent settlements are a regular part of our trucking book.
Yes. We structure around your factoring relationship, not against it. Factoring is cushion in the file, not a conflict.
Yes. Fuel, repairs, payroll, insurance, deposits. We do not restrict what the capital goes to.