Keep Your Fleet Moving With Fast, Flexible Capital From $10K to $2M
Apply Now (305) 384-8391Funded to Trucking
Express Funding
Approval Rate
The trucking and transportation industry is the backbone of the American economy, but it's also one of the most capital-intensive businesses to operate. Between fuel costs that fluctuate weekly, maintenance expenses that strike without warning, insurance premiums that climb annually, and the constant pressure to expand your fleet to meet growing demand, trucking companies need reliable access to capital to stay competitive and profitable.
At Merchant Fund Express, we specialize in funding solutions built specifically for trucking companies, freight carriers, owner-operators, and transportation logistics businesses. We understand the unique challenges of the transportation industry — from broker payment delays to DOT compliance costs — and our programs are designed to keep your wheels turning and your business growing.
Trucking companies face a cash flow paradox that few other industries experience: the more successful you are, the more cash you need upfront. Every new contract requires fuel, driver wages, insurance, and maintenance before you ever see a payment. And with freight brokers and shippers often paying on Net 30-90 terms, you can have hundreds of thousands of dollars in outstanding receivables while struggling to fill your fuel tanks today.
Traditional banks have historically been reluctant to lend to trucking companies. They see the industry as volatile due to fuel price swings, regulatory changes, and high operating costs. Bank loan applications can take months, require extensive documentation, and often result in denial — especially for owner-operators and small fleet owners who don't have substantial real estate collateral.
Merchant Fund Express cuts through these barriers with funding programs that evaluate your business based on revenue, load history, and receivables — the metrics that actually matter in trucking. We can have capital in your account within 24 hours, so you can fuel your trucks, pay your drivers, and keep your fleet on the road.
Cover rising diesel costs without disrupting your cash flow. Pre-purchase fuel at lower rates, manage fuel card balances, and ensure your fleet never sits idle due to empty tanks. Fuel represents 30-40% of operating costs for most trucking companies.
Purchase additional trucks and trailers to take on more contracts and grow your business. Finance new or used Class 8 trucks, dry vans, flatbeds, reefers, and specialty trailers without draining your operating capital.
Cover unexpected breakdowns, scheduled maintenance, tire replacements, and engine overhauls. Keeping your fleet in top condition reduces downtime, prevents costly roadside breakdowns, and ensures DOT compliance.
Pay your drivers on time, every time, even when broker payments are delayed. Competitive, reliable pay is the number one factor in driver retention — and replacing a driver costs $8,000-$12,000 on average.
Cover commercial truck insurance premiums, cargo insurance, workers' compensation, DOT compliance costs, ELD systems, and other regulatory requirements. Stay compliant and protected without cash flow disruption.
Fund the costs of obtaining or expanding your operating authority, entering new lanes, establishing broker relationships, and scaling your dispatching operation.
Get funded in as little as 24 hours. No obligation, no impact to your credit score.
Start Your ApplicationAn owner-operator in Atlanta with one truck generating $18,000/month in revenue saw an opportunity to purchase two additional trucks from a carrier that was downsizing. The total cost was $95,000 for both trucks with trailers. Banks wouldn't finance used equipment for an owner-operator. MFE provided $95,000 in equipment financing within 48 hours. The operator hired two drivers, secured dedicated lane contracts, and grew monthly revenue to $62,000 within 6 months. The financing was fully repaid within 18 months.
A 15-truck regional carrier in Memphis had $340,000 in outstanding receivables from three major shippers, all on Net 60 terms. Meanwhile, the company faced $180,000 in monthly operating costs including fuel, driver wages, and insurance. Cash reserves were running dangerously low. MFE provided invoice factoring that advanced 93% of outstanding receivables within 24 hours, injecting $316,000 in immediate working capital. The carrier maintained operations, retained all drivers, and has used MFE factoring as an ongoing cash flow management tool.
| Feature | Merchant Fund Express | Traditional Banks | SBA Loans |
|---|---|---|---|
| Approval Speed | 24-48 Hours | 30-90 Days | 60-120 Days |
| Min. Credit Score | 500 | 680+ | 650+ |
| Documentation | Minimal (4 mo. statements) | Extensive | Very Extensive |
| Collateral Required | Not Required | Usually Required | Often Required |
| Funding Amount | $10K - $2M | $50K - $5M | $25K - $5M |
| Flexible Repayment | Yes - Multiple Options | Fixed Monthly | Fixed Monthly |
| Industry Expertise | Specialized | General | General |
Turn your freight invoices and broker receivables into same-day cash. We advance up to 95% of your invoice value within 24 hours. Stop waiting 30-90 days for broker payments and keep your fleet fueled and moving.
Apply NowFinance trucks, trailers, and other transportation equipment with terms up to 72 months. New and used equipment eligible. The equipment serves as collateral, so qualification is based more on the asset than your credit score.
Apply NowQuick access to $10,000-$2,000,000 for any business purpose. Cover fuel, payroll, insurance, maintenance, or growth initiatives. Funding available within 24-48 hours.
Apply NowIf your trucking company processes card payments from customers, an MCA provides upfront capital with repayment tied to your daily sales volume. Automatic and flexible.
Apply NowBorrow against your future revenue with payments that adjust based on your monthly income. Ideal for trucking companies with variable revenue due to seasonal demand or contract cycles.
Apply NowMaintain a revolving credit line for ongoing fuel purchases, maintenance, and unexpected costs. Draw what you need, when you need it. Only pay interest on your outstanding balance.
Apply NowSpeak with a funding specialist today. No obligation, no impact on your credit score.