Working Capital Loans for Trucking Companies
Same-day cash for fuel, repairs, payroll, or fleet expansion. $10k–$500k. Revenue-based underwriting that doesn't punish lumpy carrier cash flow.
- $10k–$500k programs
- Same-day funding available
- Revenue-based underwriting
- Soft pull at qualification
- Bad-credit lenders included
Top working capital lenders
Term loans, lines of credit, and revenue-based advances side by side.
| Provider | Best for | Rate / cost range | Min requirements | Action |
|---|---|---|---|---|
Commercial Fleet Financing 1–3 business days | Startups and bad-credit truck buyers | 9%–24% APR |
| Get matched |
Balboa Capital 1–2 business days | Established small fleets | 7%–22% APR |
| Get matched |
First Capital Business Finance 1–3 business days | Owner-operators and small fleets needing flexible structure | 8%–22% APR |
| Get matched |
FR8Star Startup Capital 1–5 business days | New MCs needing $5k–$50k startup | 12%–28% APR equivalent |
| Get matched |
Credibly Same day or next day | Owner-operators with 6+ months revenue | 1.09–1.45 factor rate (effective 18%–60% APR) |
| Get matched |
OnDeck Same day | Established fleets | 9.99%–99.0% APR |
| Get matched |
Bluevine Same day | Trucking businesses with 2+ years history | Starting 7.8% simple interest |
| Get matched |
Rates and requirements are editorial estimates. Verify with the provider before signing.
Why use truckers.finance
Same-day or next-day cash
Online lenders fund as fast as 24 hours. Critical when a transmission goes down on a Tuesday.
Revenue-based underwriting
Lenders score your monthly deposits, not just your FICO. Lumpy trucker cash flow doesn't auto-decline you.
Soft pull qualification
Compare offers without dinging your credit. Hard pull happens only when you accept.
Multiple product types
Term loan vs line of credit vs revenue-based advance — pick what fits your repayment ability.
Stack with factoring
Most working capital products allow factoring on top. Combine for max liquidity.
Use of funds is yours
Fuel, repairs, payroll, expansion, hiring, taxes — no restrictions on most working capital loans.
Who qualifies
- 6+ months in business (some programs as low as 3 months)
- $10k+ in monthly business deposits
- FICO 550+ for revenue-based, 625+ for prime online lenders
- Active MC authority and DOT number
- EIN and US business bank account
- No active bankruptcy
Frequently asked questions
- What is working capital for a trucking business?
- Short-term financing — typically a term loan, line of credit, or revenue-based advance — used to cover fuel, insurance, payroll, repairs, or fleet expansion when receivables haven't aged into payment.
- What's the difference between working capital and factoring?
- Factoring is a sale of invoices for same-day cash. Working capital is a loan against your business — repaid from cash flow, not tied to specific receivables. Most carriers stack both.
- How much can I borrow?
- $10k–$500k for most trucking businesses. Underwriting is usually 1x–2x average monthly deposits. Owner-operators land at $10k–$50k; small fleets at $50k–$250k.
- What rates should I expect?
- Bank lines and SBA: 7%–14% APR. Online term loans: 9%–25% APR. Revenue-based advances: 1.09–1.45 factor rate (effective 18%–60% APR depending on payback term). Faster funding = higher rate.
- Will it hurt my credit?
- We do a soft pull at qualification. The chosen lender does one hard inquiry on funding. Most working capital products are not reported to consumer bureaus afterward.
- How fast can I get funded?
- Same-day or next-day from online lenders. 5–10 business days from banks. SBA: 4–8 weeks but lowest cost.
- Can I get working capital with bad credit?
- Yes. Revenue-based lenders care more about deposits than FICO. Minimum FICO 500–550 with $15k+/month in deposits opens doors to capital, just at higher cost.
- What documents do I need?
- 3–6 months of business bank statements, EIN, MC/DOT, voided check, photo ID, and a brief use-of-funds. SBA and bank loans want tax returns and balance sheet.
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