Fuel, drivers, and repairs pile up before shippers pay. For local and regional fleets doing $60K+ a month in deposits. Apply in 5 minutes.
Fund my fleetRegional freight
Peak freight means costs now and payment later. Through our partner, Merchant Fund Express, local and regional carriers can get a quick answer on working capital.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Funding in as little as 24 hours for qualified businesses, so fuel and payroll do not wait on slow-paying shippers.
About three months of business bank statements, no tax returns, and a 5-minute application.
FICO 500+ considered with a soft pull to start. Steady freight deposits carry weight.
The full repayment amount and schedule are in your offer before you accept. No surprise costs after you sign.
This page is for local and regional carriers: final-mile delivery, regional distribution runs, drayage around ports and rail yards, and dedicated routes within a few states. We focus on established operations doing $60K or more a month in deposits. Funding is provided through our partner Merchant Fund Express, from $25,000 to $5,000,000.
Long-haul, over-the-road operations are a different picture, and we cannot promise funding for them. If that is your business, you can still read on for the cash-flow side, but this page is written for regional fleets.
Busy season can leave you shorter on cash than a slow one, simply because you front more costs.
| Need | Option |
|---|---|
| Fuel and payroll float | Working capital |
| Recurring gaps through the season | Seasonal line of credit |
| Added tractor, box truck or trailer | Equipment financing |
| Truck down mid-route | Emergency repair funding |
More background on fleets: funding for regional trucking.
For illustration only, not our terms. A final-mile carrier with 14 box trucks deposits about $180K a month and picks up a retailer's holiday overflow contract. Volume jumps 40 percent for ten weeks, but the retailer pays on net-45 terms. The owner uses working capital to cover fuel, temp drivers and two rental trucks so the contract runs clean, then repays from the higher deposits that follow.
About three months of business bank statements, focusing on steady deposits from shippers and brokers, average balances, NSFs and any existing advances. No tax returns. FICO 500+ is considered, so a bank turning you down over credit is not the end. Sole proprietors and owner-operators running local routes can apply.
The application takes 5 minutes and starts with a soft credit pull. Decisions move fast, and for qualified businesses funding can arrive in as little as 24 hours. Credit repair is a separate service and is not required to apply.
We cannot promise funding for long-haul operations. This program is aimed at local and regional carriers.
Yes. Fuel is a common use of working capital for regional fleets.
Funders read your deposits as they actually arrive. Steady broker and shipper payments over three months read well even on longer terms.
Equipment financing is tied to the specific vehicle or trailer and can work for regional fleets.
A few weeks ahead is best, so the money is in place before fuel and payroll costs climb.
Example uses for illustration only.
Regional carriers can make their file easier to review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding