Customers pay in weeks while fuel and drivers are paid now. Working capital covers that wait, if it is sized to the actual lag and not to the largest number available.
Apply Now →This page covers local and regional delivery and freight. Long-haul trucking is not addressed here, and no funding is promised for any type of business; each application is reviewed individually.
The core of delivery cash flow is days sales outstanding, informally known as how long customers take to pay. Take each major customer, note their usual payment time, and match it against the costs you carry in the meantime.
| Customer type | Typical wait | What you carry |
|---|---|---|
| Retail and wholesale accounts | Often on terms of several weeks | Fuel, driver pay, truck notes |
| Contractors and builders | Often tied to their own draws | Everything, plus idle time |
| Cash-on-delivery routes | Short | Low lag, but small margins |
The last one is easy to overlook until it arrives. See the Texas Workforce Commission for the details that apply to you.
For illustration only, with made-up numbers: a small delivery company has $60,000 in open invoices, with one customer holding $35,000 for about six weeks. Weekly costs are $9,000. Six weeks of costs come to $54,000. If $25,000 of other invoices clear during that time, the gap is about $29,000, which is the figure to fund, not the $60,000 owed. These figures are not our terms or typical results.
Of all delivery costs, fuel is the one that moves without notice. A rise at the pump cuts margin on every route at once, and it cannot be negotiated like a supplier invoice. Owners who add a fuel surcharge to their rates, or who review pricing quarterly, reduce the amount of working capital they need. That is worth doing before borrowing, because funding that covers a pricing problem only postpones it.
Track fuel per route per week and compare it to what each route earns. A route that barely covers its fuel is a candidate for repricing or dropping, not for more funding.
Likewise, review maintenance schedules so that tires, brakes and oil are replaced before they fail, since a planned repair costs less in lost days than an emergency one.
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 and uses a soft credit pull. Sole proprietors can apply. Terms are specific to each offer, and you should read them before accepting.
List fixed and variable costs for the length of your longest customer payment wait and subtract cash on hand.
This page is about local and regional delivery. We make no promise on any category.
Working capital covers a defined gap. A line is a reusable source.
Yes, sole proprietors can apply.
No. It is 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
