You haul the load now and wait 30-45 days on the broker to pay — while fuel and a daily MCA debit drain the account today. We buy out your trucking advance and refinance it to fit how freight actually pays.
Get Your Free MCA Payoff Quote → Call (305) 384-8391For owner-operators and fleets, cash goes out immediately for fuel, maintenance, insurance, and drivers, but freight invoices can take 30 to 45 days to pay unless you factor them. Add a merchant cash advance with a daily ACH debit and the math gets brutal fast. Merchant Fund Express buys out high-factor-rate trucking advances and refinances them into a single manageable payment built around the realities of freight cash flow.
Trucking runs on a timing mismatch: fuel and payroll are due now, but the load you just delivered may not pay for weeks. A merchant cash advance ignores that gap entirely, collecting a flat factor-rate payback by daily debit. A $45,000 advance at a 1.43 factor means a fixed $64,350 payback ($45,000 × 1.43), pulled every business day no matter where your receivables stand. (Illustrative factor-rate example, not a quoted offer.) When fuel spikes or a broker pays late, that daily debit keeps hitting an account that has not been refilled, pushing many operators to stack a second advance just to keep trucks rolling.
Diesel is one of the largest and most volatile costs in trucking, and when it climbs, margins thin fast. That pressure is exactly when operators get pitched a second or third MCA. The stacked daily debits then compound until they exceed what the trucks can earn. A buyout pays off those positions and consolidates them into one payment so a single funder is drawing from your account, not several.
Send your current MCA contract and three months of business bank statements. We calculate your true effective rate and the daily drain, then structure a buyout or consolidation that lowers your burden and pays your existing funders in full. Approved files often fund the same day. As a direct funder, decisions come in 2-4 hours with no broker chain.
One truck or one hundred, dry van, reefer, flatbed, hotshot, box truck, and last-mile operations all use our buyout. We accept 500+ FICO and weigh your settlements and deposit history more than personal credit, which matters when a slow-paying broker temporarily strains your score.
Many "refinance" offers to carriers are just another high-factor advance stacked on the old one. As an honest, trusted, direct funder, we tell you the truth about whether a buyout lowers your cost. If it does, we move fast and align repayment with your freight-pay cycle. If it does not, we say so plainly.
| Factor | Staying in Your Trucking MCA | Buyout / Refinance With MFE |
|---|---|---|
| Freight-pay timing | Daily debit ignores 30-45 day broker pay | Restructured to fit the freight-pay cycle |
| Fuel-cost squeeze | Fixed debit keeps pulling when diesel spikes | One payment built to protect operating cash |
| Stacked advances | Multiple funders debit while loads await pay | Consolidated into one manageable payment |
| Speed | Funder-driven timeline | 2-4 hour decisions, same-day funding possible |
| Credit | Often opaque | 500+ FICO accepted, cash-flow focused |
Yes. We pay off your existing advance in full and refinance it into terms structured around your freight-pay cycle, often the same day.
Yes. We restructure that rigid daily debit into a single more manageable payment so a slow-paying load does not trigger a cash crisis.
Yes. Consolidating stacked trucking advances into one payment is one of the most common situations we solve for carriers.
500+ FICO. We focus on your settlements and deposit history more than your personal score.
Decisions in 2-4 hours with your contract and three months of statements. Same-day funding is possible.
For most requests under $250,000, no. Your MCA contract and recent statements are typically enough.
Honest buyout & refinance from a direct funder. 2-4 hour decisions. 500+ FICO welcome.
Get Your Free MCA Payoff Quote →Or call (305) 384-8391