Local and regional haulers buy fuel today and get paid on terms. A line of credit lets an operator draw for a repair or a fuel run without waiting for the customer.
Apply Now →This page is about local and regional delivery and freight: box trucks, vans, flatbeds and trucks that run short and medium routes, often back to the same yard every day. It does not describe long-haul, over-the-road trucking, which has a different cash-flow picture, and nothing here promises funding for any particular business type. Fit is decided on the application.
Paid at the pump, every day, long before invoices clear. Fuel is the biggest variable expense for most delivery operators and it moves with the price at the pump.
Brakes, tires, transmissions and DOT-related fixes. A truck sitting idle earns nothing, so repair speed counts.
Premiums on commercial vehicles are a fixed cost that arrives whether or not freight is moving.
Delivery operators face costs that appear in uneven jumps. A line of credit lets an owner draw as needed instead of borrowing a large sum up front and sitting on the unused portion. How a given line charges for what is drawn is set out in the offer.
| Event | Why a draw helps |
|---|---|
| Customer pays in 30 to 60 days | Fuel and driver pay continue in the meantime |
| Unplanned repair | Keeps the truck on the route |
| Added route or contract | Costs start before the first invoice is paid |
Before drawing on credit, many delivery owners find it useful to measure each route: revenue per week, fuel, driver time and the days its customer takes to pay. Routes with fast-paying customers and steady volume carry the business; routes with slow payment and light volume consume credit. Seeing the difference lets an owner decide which routes to expand, which to reprice and which to drop, and it makes any credit decision more grounded.
Commercial vehicle insurance, registration, inspections and any required permits all have renewal dates. Missing one can sideline a truck as surely as a breakdown. A good habit is to map every renewal on a single calendar and note the amount due, so the cash is ready or a draw can be planned in advance. Delivery owners who do this seldom face a surprise renewal that pulls money away from fuel or payroll.
We fund from $25,000 to $5,000,000, and some applicants are funded in as little as 24 hours. The application takes about five minutes with a soft credit pull. Sole proprietors can apply, which describes many owner-operator delivery businesses. Terms are in each offer.
Because every owner's situation differs, describe your operation plainly on the application: how many vehicles, what routes, and what the money is for. That is the basis on which fit is decided.
This page is about local and regional delivery. We make no promise of funding for any business type; fit is determined on the application.
Sole proprietors can apply.
Operating costs such as fuel, repairs and payroll, subject to the offer.
No, it is soft.
$25,000.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
