The trucking industry is capital-intensive and most banks treat it as high-risk. We see it differently — connecting owner-operators, fleet buyers, and freight brokerages with lenders who actually understand the sector.
Apply for Financing Submit a Client Deal →Commercial trucking is one of the most underserved segments in small business finance. New Class 8 trucks cost $150,000–$200,000. Fleet acquisitions run into the millions. And yet most community banks and SBA lenders either decline the category outright or underwrite it so conservatively that deals fall apart.
The industry’s challenge isn’t the fundamentals — it’s lender familiarity. Equipment depreciates. Revenue is cyclical. Freight rates fluctuate. These are knowable risks that experienced transportation lenders price into their underwriting. The problem is connecting operators to those lenders.
We match fleet buyers, owner-operators, and logistics companies with lenders who have a documented track record in transportation. Equipment financing, business acquisition, working capital, and dispatch operation expansion — we place the full range of deals in this sector.
Fleet expansion, business acquisitions, equipment, and working capital — placed with lenders who specialize in transportation.
Buying or expanding a trucking fleet — single trucks or multi-unit purchases. We structure financing around the equipment and business cash flow.
Dry van, refrigerated, flatbed, and specialty trailers. Equipment financing with terms structured around asset useful life and revenue.
Acquiring an established trucking operation — including goodwill, MC/DOT authority, customer contracts, and equipment — as a going concern.
Acquiring or launching a freight brokerage. Asset-light compared to fleets, but requires strong revenue documentation and established carrier relationships.
Bridging freight payment cycles. Working capital lines and factoring alternatives for operators managing 30–60 day payment lags from shippers.
Financing for owner-operators scaling their dispatch operation, adding drivers, or investing in technology and fleet management systems.
Transportation underwriting is different from standard SBA. Here’s what experienced trucking lenders focus on — and what we help you prepare.
12–24 months of freight revenue history, preferably with diversified shipper relationships. Lenders want to see stable top-line before underwriting equipment or acquisition debt.
Transportation lenders often have slightly more flexible credit thresholds than standard SBA, given the strong collateral position of commercial vehicles.
Commercial trucks, trailers, and fleet vehicles serve as strong collateral. Lenders discount used equipment based on mileage, age, and condition — we help set deal expectations accordingly.
For SBA-structured acquisitions, buyers should plan for 10% of total project cost as an equity injection. Equipment deals may vary based on structure.
Active operating authority, clean DOT safety record, and current insurance coverage are non-negotiable for lenders underwriting trucking company acquisitions.
Documented shipper or broker relationships — contracts, load data, or broker agreements — reduce lender revenue risk and significantly improve deal quality.
Submit your deal and we’ll identify lender fit and financing options within 48 hours.
Apply for Financing → Submit a Client Deal