When a repair bill, an insurance deposit or a fuel run lands before the invoices clear, a sales-based advance is one option. Here is how to judge it for a delivery business.
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. The reader in mind runs vans, box trucks or straight trucks on local and regional routes.
A merchant cash advance provides a lump sum, repaid from a portion of future sales or receivables. For delivery and freight, the key detail is how that repayment is collected and when. Trucking revenue often arrives in lumps, because customers pay invoices on terms, so deposits can be thin for two weeks and heavy in the third. A structure that collects on a daily or weekly schedule behaves differently from one that tracks deposits, and the difference matters when fuel, repairs and insurance are all due in the same stretch.
We do not publish terms on this page. Ask any funder to explain, in writing, how collection works and what the total repayment is.
If your deposits lag, a fixed collection schedule can pull more than you can spare. Get that scenario spelled out.
Compare that figure to the margin on the work the money is funding.
For a vehicle purchase, equipment financing is usually a closer match. For recurring costs, a line of credit may suit better. An advance is most defensible for a defined, short gap.
For illustration only, not our terms or a typical outcome. A courier company has a truck in the shop with a repair estimate of $9,000. Without the truck, one route stops, costing the business about $3,000 a week in billings. The owner weighs a short-term advance against waiting. The repair brings the route back and the billing resumes, so the cost of waiting exceeds the cost of acting. That is a clear case. Compare it with an owner who wants an advance to cover payroll for a route that is losing money. There, funding delays the problem.
The application takes about five minutes. No tax returns are required, the credit check is soft, FICO 500+ is considered, and sole proprietors can apply. Funding runs from $25,000 to $5,000,000, and funds can arrive in as little as 24 hours. Apply here and review any offer in full before accepting.
This page is about local and regional delivery. It does not address long-haul trucking and makes no promise about it.
A line suits recurring costs and lets you draw as needed. An advance is a one-time lump sum, so it is best for a defined gap.
They can, depending on how payments are collected. Ask the funder how a slow-deposit week is handled.
Repairs are a common use, especially when an idle truck is costing you billings.
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
