Transportation
Business Loans
& Financing

We work with a wide range of transportation and logistics businesses, trucking and freight haulers, limousine and car service operators, medical transportation companies, courier and delivery services, moving companies, charter bus operators, towing companies, and other fleet-based businesses. If your operation generates qualifying revenue and meets our basic requirements, you can apply.

Your transportation business must be operating for at least 6 months, generate $240,000 or more in annual revenue, maintain a business checking account, and have a FICO score of 570 or above. There should be no open bankruptcies and no conflicting existing financing.

After submitting your application and required documentation, you can receive an approval decision often the same day. Funds are typically deposited within 24 hours of offer acceptance, so you can act quickly on vehicle purchases, equipment needs, or cash flow gaps without disrupting your operations.

Yes. Fleet expansion and vehicle acquisition are among the most common uses for transportation business financing. Equipment Financing is purpose-built for vehicle purchases: you own the vehicle outright at the end of the term while preserving working capital for daily operations. Term Loans and Small Business Loans also provide capital for fleet investments.

Absolutely. Vehicle breakdowns and unexpected maintenance costs can bring operations to a standstill. Working capital financing ensures you can cover repairs quickly and keep your fleet moving, without waiting on invoice payments or drawing down your reserves.

Yes. Adding new drivers, dispatchers, or administrative staff requires consistent cash flow, especially when you are scaling. Working capital financing ensures your payroll is covered even during periods when outstanding invoices have not cleared yet.

Many of our transportation financing products are unsecured. Approval is based on your business's revenue performance rather than pledging vehicles, equipment, or personal assets. Equipment Financing does use the financed vehicle as collateral by nature, but most working capital products do not require it.

It depends on your needs. Equipment Financing is ideal for vehicle purchases. A Small Business Loan or Revenue Advance provides flexible working capital for operations and payroll. A Line of Credit gives you revolving access to funds to manage cash flow between invoice payments. A Term Loan works well for larger planned investments like fleet expansion or facility upgrades. Your Capital Advisor will help you identify the right fit.

Yes. Auto transportation, meaning car haulers, dealer transport, and vehicle logistics operators, is financed the same way as general freight, with two differences underwriters pay attention to. Cargo values per load are high, so insurance coverage and claims history get a closer read. And dealer and auction customers often pay on their own fixed cycles, which makes receivables timing more predictable than in spot freight and can work in your favour on factoring and working capital facilities. Specialized trailers are financeable as equipment in the normal way.

Usually yes, and the two solve different problems. Invoice factoring advances cash against loads you have already delivered, so it follows revenue you have earned. A loan or line of credit funds something ahead of the revenue it will produce. Many carriers run both: factoring to keep fuel and payroll covered inside the settlement cycle, and an equipment facility for the trucks. The one thing to check first is whether an existing factoring agreement claims your receivables, because a lender will want to know what is already pledged before offering anything secured. Bring the agreement to the conversation and it is usually straightforward.