Business Funding for Trucking & Transportation Companies
Brokers take 30–90 days to pay. Fuel, repairs, and insurance can't wait. VACA Funding provides fast freight factoring, equipment financing, and working capital for trucking companies and owner-operators.
Get Pre-Approved in Minutes
$2M
Max Funding
24 hrs
Funding Speed
95%
Approval Rate
500+
Min. Credit Score
Why Trucking Companies Need Alternative Funding
The transportation and trucking industry is the backbone of the American economy, but it's also one of the most capital-intensive businesses to operate. From purchasing and maintaining vehicles to covering fuel costs, insurance, and driver payroll, trucking companies need consistent access to working capital.
Best Funding Products for Trucking Companies
Freight Invoice Factoring: Sell your freight bills for up to 90% of their value immediately after delivery. Stop waiting 30–90 days for brokers to pay.
Equipment Financing: Finance new or used trucks, trailers, and specialty vehicles. The vehicle serves as collateral — no additional assets required.
Merchant Cash Advance: Get immediate working capital repaid as a percentage of daily deposits. Cover fuel, maintenance, and payroll without delay.
Business Line of Credit: Revolving credit for ongoing operational expenses — draw when you need it, repay as loads settle.
Common Uses of Trucking Business Loans
Fuel costs for long-haul and regional routes. Vehicle maintenance, repairs, and tire replacement. Insurance premiums and compliance costs. Driver payroll and recruitment. New truck or trailer purchases. Bridging the gap between load delivery and broker payment.
Trucking Funding Qualifiers
- 3+ months in business
- $10,000+ monthly revenue
- Active business bank account
- Credit score 500+
- US-based business
- No open bankruptcy