Capital that keeps the wheels turning — for owner-operators, carriers, and fleets waiting 30-60 days on freight pay.
Apply in 4 Minutes →Call (305) 384-8391In trucking, you haul the load first and collect the money weeks later. Brokers and shippers pay on 30-, 45-, or 60-day terms, but fuel, insurance, driver pay, and repairs all demand cash today. Merchant Fund Express keeps carriers and owner-operators rolling with factoring and working capital structured around freight-pay reality — so a slow-paying broker never parks your truck.
As a direct funder — not a broker or marketplace — we underwrite and fund from our own capital. We have deployed over $50M to 1,000+ businesses across all 50 states, accept 500+ FICO, and reserve our most competitive pricing for 600, 650, and 700+ credit scores. Decisions land in 2-4 hours, not the weeks a bank takes.
Trucking is defined by the gap between delivery and payment. You move a load today, but the broker or shipper pays on net-30, net-45, or net-60 — and that is when they pay on time. Meanwhile fuel must be bought every day, drivers expect to be paid weekly, insurance premiums are due monthly, and a roadside breakdown can cost thousands on the spot. An owner-operator can have $40,000 in receivables on paper and still not make this week’s fuel bill.
Volatility compounds the squeeze. Fuel prices swing without warning, freight rates rise and fall with the spot market, and a single major repair — a blown engine, transmission, or DOT-mandated fix — can take a truck off the road and kill its revenue at the same time. Buying another truck or trailer to grow the fleet requires capital most carriers cannot pull from operations. Banks are far too slow for a business that lives load to load, and they rarely understand freight terms. We fund on your revenue and settlements rather than just credit, advance against your freight invoices so you are paid in days instead of weeks, deliver decisions in 2-4 hours, and finance trucks and trailers up to $2M with Section 179 deductibility.
Sell your freight invoices and get paid in days instead of waiting 30-60 days on brokers and shippers. The single most powerful cash-flow tool in trucking.
Up to $2M over terms to 60 months for tractors, trailers, reefers, and box trucks — new or used — with Section 179 letting you deduct qualifying equipment the same year.
$15K-$1M for fuel, payroll, insurance, and repairs between settlements. Repayment structured around your freight-pay cycle.
Fast cash to cover fuel runs, tires, and unexpected breakdowns so a bad week on the road does not park your equipment.
Revolving capital you draw on load by load — ideal for carriers managing multiple trucks and uneven settlement timing.
Capital to add trucks, trailers, and drivers when freight demand grows faster than your cash flow.
typical funding for trucks, trailers, fuel, repairs, and bridging slow freight invoices
600+ FICO unlocks our most competitive pricing. 500-599 FICO still approved with flexible options. No tax returns required under $250K. Funding range $5K-$5M.
We weigh your freight revenue, settlements, and bank deposits over your FICO score. A carrier with steady loads and deposits can qualify even with a 500-599 credit score because the revenue proves the business. We accept 500+ FICO; 600+ unlocks better pricing and 650/700+ earns our most competitive rates and longest terms. No tax returns required under $250K — three months of bank statements usually support a decision in 2-4 hours.
We fund established trucking companies with at least six months of operating history.
Consistent monthly revenue flowing through your business bank account.
Your three most recent business bank statements — no tax returns under $250K.
Operating in the United States with a valid business bank account.
Illustrative examples of the funding profiles we structure for trucking and transportation businesses. Amounts, terms, and timelines vary by revenue, credit, and use of funds.
Representative scenarios shown for illustration. Actual funding amounts, rates, and approval times depend on individual qualifications. Funding subject to approval. Not a guarantee of specific terms.
Merchant Fund Express funds from its own capital, so a carrier deals with the decision-maker, not a broker shopping the application around. That is why an owner-operator can apply from the cab, get a decision in 2-4 hours, and have money the same or next business day — with freight factoring advancing on invoices within a day. When a load pays slow and the fuel tank is empty, or a breakdown threatens to park your truck, that speed is what keeps you earning.
Holding the paper lets us structure repayment around your settlement cycle, advance against your freight invoices, and finance trucks and trailers up to $2M — new or used — with Section 179 deductibility. Banks rarely understand freight terms and move on a timeline that does not fit a business living load to load; we read your revenue, your settlements, and your deposits, and fund accordingly.
The strongest carriers match the tool to the job. Long-lived assets — a tractor, a reefer, a trailer — belong on equipment financing, where a 36-to-60-month term lets the equipment earn while it pays for itself. The chronic gap between delivery and payment is best handled by freight invoice factoring, which turns a net-30 or net-60 invoice into cash in days, while working capital covers fuel, payroll, and insurance between settlements.
Carriers running several trucks on different settlement timing often use a line of credit, drawing per load and repaying as money lands — the cleanest way to scale a fleet without a cash crunch. Our team reviews your loads, settlements, and deposit history, then recommends the lowest-cost structure for how you get paid. The application takes about four minutes, carries no obligation, and will not hurt your credit. Call (305) 384-8391 or apply online to keep the wheels turning.
Most carriers get a decision in 2-4 hours and funding the same or next business day. Freight factoring can advance on invoices within a day, so you are paid in days instead of weeks.
Yes. Freight invoice factoring is built exactly for this — we advance against your delivered loads so a net-30 or net-60 broker never strands your cash.
Yes. Equipment financing covers new and used tractors, trailers, reefers, and box trucks up to $2M over terms to 60 months, with Section 179 tax deductibility on qualifying equipment.
Often yes. We accept 500+ FICO and weigh your freight revenue and settlements more heavily than your score. Consistent loads and deposits can carry an approval in the 500s.
Yes. Fuel and repair capital is designed for the unexpected — fast cash to cover a major repair or fuel run so a breakdown does not take your truck off the road for long.
A short application and your three most recent business bank statements. No tax returns under $250K. Most owner-operators finish the application in about four minutes.
We fund across dozens of sectors. See related programs: Dental & Healthcare · Medical Practices · Construction · Restaurants & Hospitality · Trucking · Retail & E-commerce · All Industries. Ready to move? Start your application.
2-4 hour decisions. 500+ FICO. No tax returns under $250K. $5K-$5M available.
Start My Application →Call (305) 384-8391Recent fundings. Individual results vary; funding subject to approval.