Cover fuel and settlements before the broker pays.

Trucking is one of the most cash-intensive businesses in the American economy. A carrier running 30 trucks has weekly obligations that don't pause regardless of when customers pay: $40K–$80K in driver payroll, $15K–$30K in fuel, insurance premiums, maintenance, permits, and tolls. Revenue arrives 30 to 45 days after the load is delivered — sometimes longer when brokers stretch payment terms.

This isn't a problem of profitability. Many carriers run healthy margins on a per-load basis. The problem is timing. The gap between when costs hit and when revenue arrives creates a structural working capital need that grows with every truck you add to the fleet.

Traditional banks often struggle with trucking companies — the asset base is depreciating equipment, revenue concentration in a few brokers raises red flags, and the weekly cash burn looks alarming on paper even when the underlying business is sound. That's where structured working capital solutions designed for the transportation industry make a meaningful difference.

There's no single "trucking loan." The right working capital structure depends on your fleet size, revenue, customer mix, and growth trajectory. Here are the most common structures we deploy for carriers:

Freight factoring for immediate cash flow

Converting delivered-load invoices to same-day or next-day cash. Factoring is the most common entry point for carriers — it's fast, straightforward, and directly tied to your revenue. Many carriers start here and layer additional structures as they grow.

Revolving line of credit for operational flexibility

A revolving credit facility gives you draw-and-repay access for payroll, fuel, insurance, and maintenance — without factoring every load. For carriers with $3M+ in revenue, a credit line often becomes more cost-effective than full-ledger factoring.

Equipment financing for fleet growth

Equipment financing structures capital around the useful life and residual value of trucks and trailers. Rather than depleting working capital to purchase equipment, dedicated fleet financing preserves liquidity for operations while expanding capacity.

Asset-based lending for larger operations

Carriers with $5M+ in revenue and significant receivables and equipment collateral may benefit from an ABL facility — a borrowing-base structure that scales with your fleet and revenue, providing a single facility that addresses multiple capital needs.