Fleet costs run weekly. Cash lands on settlement.

Logistics and fleet operators need capital that respects broker timing and maintenance cycles.

The cash cycle

Equipment financing for trucks and trailers; working capital for fuel and payroll between settlements. We size from deposits, not a hoped-for lane.

We look at settlement partners, existing factoring relationships, equipment liens, and whether revenue is diversified or one broker away from a stall.

How operators typically use funds

Fuel and operating cash between settlements.
Trailer or power-unit financing with clear titles.
Bridge capital after a large receivable delay.
Maintenance that should not wait on the next load.

Structures we often discuss

Invoice factoringWhen billed freight is real and the debtor is the credit story.
Equipment financingFor titled assets with useful life.
Short-term working capitalFor fuel and ops — with existing holds disclosed.

Eligibility snapshot

A starting frame — not a decision.

Time in business

Around six months of operating deposits is a common starting conversation.

Revenue

Near $15,000 in monthly deposits is a typical conversation starter. Owner-operators and fleets look different — the statements still decide.

Credit

Personal credit near 500+ is often discussed, along with existing obligations in the trade.

What we watch in this trade

Authority status, insurance, prior factoring, and whether “growth” is simply more miles for a broker that already pays late.

Soft inquiry to start. Applying is free and is not an offer of credit.

Apply for funding Compare products