Keep the trucks moving while you wait to get paid
Fuel, repairs and drivers get paid this week. Brokers and shippers pay in 30 to 60 days. A line of credit covers the road in between.
- Cover fuel and repairs on the spot
- Make payroll while loads are unpaid
- Handle insurance renewals and permits
A truck that sits costs you every day
In trucking, the biggest costs show up without warning: a blown engine, a new set of tires, an insurance renewal that went up again. And they always seem to hit while you’re waiting on payment for loads you already delivered.
Fleet owners and owner-operators use a Flex Credit Capital line to get trucks back on the road fast and keep cash flowing between payments.
Common uses
- Engine, transmission and tire repairs
- Fuel costs during busy weeks
- Insurance down payments and renewals
- Driver payroll while waiting on brokers
The basics we look for
If your business checks these boxes, it’s worth a few minutes to apply.
We look at how your business is actually doing, mostly through your recent bank statements. Your credit score matters less here than it does at a bank.
- Time in business6 months or more
- Monthly revenue$15,000 or more
- Business bank accountRecent statements
- LocationU.S.-based business
- CollateralNot required
Questions from trucking owners
Do you work with owner-operators?
Yes, as long as you meet the basic requirements for time in business and monthly revenue.
Is this the same as freight factoring?
No. You keep your invoices and broker relationships. You simply draw from your line when you need cash.
Can I buy another truck with it?
You can use it toward equipment, including a down payment on a truck. Your advisor can help you figure out the right amount.
Other industries we work with
See what your business qualifies for
Tell us what you need the money for and how much. A funding advisor will follow up with real numbers, usually the same day.