Trucking & Fleet Financing — Trucks, Trailers and the 60-Day Wait to Get Paid

You deliver the load in two days and get paid in sixty. Fuel, drivers and repairs do not wait sixty days.

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What owners in this industry finance

Trucks, trailers and reefer units
Fuel and driver payroll between settlements
Advancing against freight invoices
Repairs and DOT compliance

What we would tell you

Freight factoring is the backbone product in this industry — your brokers' credit carries it, so there is no minimum FICO. Equipment financing covers the truck with no time-in-business minimum.

The programs that fit best

Equipment Financing

The machine is the collateral

A few days 580+ (varies by equipment) FICO

Invoice Factoring & A/R Financing

Turn unpaid invoices into cash

2 – 5 days No minimum FICO

Business Line of Credit

Draw only what you need

Same day 600+ FICO

Bridge Loans

Cover the gap now

Same day No minimum FICO

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

Straight answers

Trucking & Transportation funding questions

What is the best financing option for trucking & transportation?

It depends on what the money is for. Freight factoring is the backbone product in this industry — your brokers' credit carries it, so there is no minimum FICO. Equipment financing covers the truck with no time-in-business minimum.

Can I get funded for my trucking & transportation business with bad credit?

Several products carry no minimum credit score — equipment financing at 580, and invoice factoring, purchase order financing and revenue-based options with no FICO floor at all. See bad-credit options.

How fast can we get the money?

Same day to three business days on the fast programs from a complete file. Equipment takes a few days, invoice factoring 2–5 days, SBA 30–45 days.

No cost · No obligation

Funding for trucking & transportation

One application, shopped across 14 programs, no fee to you.

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Checking your options does not affect your business credit. A soft review only.