Industries
Funding that understands a slow-paying broker.
Tractors, trailers, reefers, box trucks, and the working capital to run them while receivables crawl in at 45 days. Including programs that approve first-time owner-operators.
What we fund
| Need | Structure we usually use | Why |
|---|---|---|
| Tractor or box truck purchase | Equipment financing, 3–7 yr | The truck is the collateral; CDL experience counts as much as credit |
| Trailer / reefer additions | Equipment financing | Trailers hold value; age caps are lenient |
| Fuel-and-payroll float | Term loan or line | Bridges the gap between delivery and broker payment |
| Fleet expansion (3+ units) | Equipment line or SBA 7(a) | One approval covers staged purchases |
| Refinancing an MCA taken in a slow quarter | Term consolidation | Replaces daily debits with one monthly payment |
First-time owner-operators
Several of our equipment lenders approve from day one of business when the driver has two or more years of CDL experience and a contracted route or dedicated lane. Expect a 10–20% down payment on the first unit; it drops quickly once the business has a payment history.
Used and auction units
Dealer-sold used trucks are routine. Auction and private-party purchases work with a title and serial verification step. Typical age caps run 10–15 model years for tractors, looser for trailers.
The mistake we see most
Taking a merchant cash advance against freight receivables in a slow month. The daily debit eats the operating margin that was supposed to recover. If you're in one now, ask about consolidation before adding equipment debt on top. We run that comparison free, and it's most of what our trucking desk does in the first quarter of every year.