Diesel, tires and a surprise repair bill hit before the invoice gets paid. A revolving line can cover that gap and be paid back when the customer does.
Apply Now →This page is written for local and regional delivery and freight operations. It does not address long-haul over-the-road trucking, and nothing here promises funding for any particular carrier. It is about box trucks, vans, straight trucks and day-cab tractors that serve routes within and around the state: store deliveries, parts runs, drayage, courier and last-mile work.
A delivery operator's cash pattern is built on fuel, repairs and insurance. Each one arrives on its own schedule, and none of them waits for a customer to pay.
| Cost | When it hits | Why a line helps |
|---|---|---|
| Fuel | Every day trucks run, often on a fuel card billed weekly | Draw for a few weeks of fuel, repay as invoices clear |
| Repairs | Unplanned, and usually with the truck sitting idle | A truck in the shop earns nothing, so speed matters |
| Insurance | Premiums, deposits and renewals on a fixed calendar | Smooths a large payment without disrupting weekly cash |
Trucking costs repeat. A single lump sum sized for the worst week leaves you paying on money you are not using the rest of the time. A line of credit lets you draw what a given week requires and pay it back as receivables are collected. We do not quote terms on this page, and structures differ by funder, so ask about how draws and repayments work in practice.
The pattern that tends to work: keep the line for working costs, such as fuel, tires, repairs, driver pay and insurance, and use equipment financing when you are buying a vehicle.
Many delivery and freight customers pay on terms. A net-30 invoice means you have fueled, paid the driver and covered the truck for a month before the money lands. If two or three customers stretch to forty-five days, a company can look profitable on paper while the account runs near empty.
For illustration only, not our terms. A three-truck operation bills $45,000 a month and pays about $30,000 in direct costs inside the same month. If invoices pay at 45 days, there is a stretch where roughly a month and a half of costs are out of pocket. Sizing a line to that gap, instead of to the largest number available, is the conservative way to use it.
Clean records make it easier to explain the request and to decide how much you actually need.
The application takes about five minutes. We ask for about three months of business bank statements and no tax returns. The credit check is soft, FICO 500+ is considered, and sole proprietors can apply, which covers many owner-operators running a single truck. Funding runs from $25,000 to $5,000,000, and funds can arrive in as little as 24 hours. Apply here.
No. It covers local and regional delivery and freight operations and does not address long-haul over-the-road carriers.
Many operators use a draw to pay a fuel bill and repay it as customer invoices clear. Confirm how draws work in any offer.
Repairs are a common reason to draw. A truck in the shop earns nothing, so the speed of access matters.
Yes. Sole proprietors can apply.
No. We ask for about three months of business bank statements.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
