A breakdown or a late customer payment can strand a small delivery business in days. A merchant cash advance is fast; the question is whether it fits the problem.
Apply Now →This page is about local and regional delivery and freight businesses. It does not cover long-haul trucking, and it promises nothing about funding for any particular business. Each application is reviewed on its own.
A merchant cash advance provides funds in exchange for a portion of future receipts. Repayment mechanics vary by offer, so the specific document you receive is the authority. For businesses whose income comes in irregular lumps, as delivery invoices do, think hard about how repayment will fit a slow week.
Every day it is idle is lost revenue. If speed to fix it protects a contract, the speed of funding has real value.
If a large invoice is slow, an advance can bridge the wait. Check that it will arrive before repayment pressure builds.
When fuel costs rise faster than rates, cash needs rise too. An advance does not fix a pricing problem, so review your rates as well.
Costs start before income does. If you are confident in the customer's payment, funding the ramp can make sense.
For illustration only, with made-up numbers: a two-truck operation brings in $7,500 in a typical week and spends $5,800 on fuel, driver pay and fixed costs. A week with a customer delay or a breakdown brings in only $4,500. If an advance repayment keeps coming out at the usual pace, the shortfall that week is bigger than the one it was meant to solve. Test your own numbers the same way. These are not our terms.
Many local delivery businesses rely on a small number of customers. If one of them pauses orders or pays late, the effect on cash is immediate. Before taking any form of funding, note what share of revenue each customer represents and how reliably each pays. A product repaid from receipts will feel the effect of a lost customer right away, so a business with concentrated revenue should be especially cautious about the size of any advance.
| Need | Compare with |
|---|---|
| Replacing or adding a vehicle | Equipment financing |
| Repeated draws for fuel and repairs | Business line of credit |
| A single measurable gap | Working capital |
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, and sole proprietors can apply. We do not publish rates or terms.
It can be for a short, specific gap. Check how repayment fits your slow weeks.
This page is about local and regional delivery, and no funding is promised for any category.
Compare total repayment, how it is collected, and whether another structure matches the need better.
Yes, sole proprietors can apply.
No. It uses a soft pull.
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
