Trucking and Logistics SBA Loans

Running a trucking fleet or logistics operation takes steady cash flow for fuel, drivers, maintenance, and freight contracts. Our programs provide an SBA loan for trucking company owners and transport and logistic business loans so you can keep loads moving, win new routes, and handle expenses without slowing operations.

Trucking and Logistics SBA Loans

Our trucking and logistics SBA options are built for carriers, freight brokers, and warehouse operators who need clear, reliable funding. Whether you’re seeking an SBA loan for trucking company expansion or sba loans for trucking companies to cover everyday costs, our process is simple from start to finish.

Submit a short application, upload a few business documents, and review offers that match how your routes and contracts generate revenue. We also provide business loans for logistics businesses that need capital for staffing, technology, or added capacity, so your funding supports the full transport chain from pickup to final delivery.

Minimum Requirements for Business Funding in Trucking and Logistics

To qualify for business funding in the trucking and logistics industry, you must meet the following criteria:

Minimum Revenue	$10,000 / month
Length in Business	5 months or more
Ownership %	Minimum of 51% Ownership
Personal Credit	US FICO 500+

Types of Small Business Loans in Trucking and Logistics

Small Business Loan

Term-style financing that delivers working capital for fuel, repairs, insurance, permits, and growth. This kind of sba loan for trucking company owners can also be used to add drivers, handle compliance costs, or upgrade safety systems. It’s ideal for transport and logistic business loans when you want predictable payments and a clear payoff schedule.

Merchant Cash Advance

Funding based on future deposits or receivables from brokers and shippers, giving you quick access to cash while you wait for invoices to be paid. This option can help cover fuel spikes, last-minute repairs, or emergency driver expenses between loads. Many fleets use it as a short bridge while longer-term SBA or equipment financing is being arranged.

Business Line of Credit

A revolving line you can tap for fuel, tolls, tires, and unexpected shop bills, then repay as loads are delivered and customers settle their accounts. It’s a flexible tool for business loans for logistics businesses that deal with seasonal slowdowns, detention delays, or changing freight volumes. You only pay on what you draw, making it useful alongside longer-term truck or trailer loans.

Collateral Loans

Loans secured by trucks, trailers, forklifts, or warehouse equipment, allowing you to access larger amounts and longer terms for expansion. Carriers use these funds to buy additional units, invest in reefer or flatbed equipment, or improve yards and terminals. This structure fits well for operators seeking sba loans for trucking companies that want to build long-term asset value.

Bad Credit Business Loans

Options for trucking and logistics companies with credit challenges, helping stabilize cash flow now while working toward SBA-ready profiles in the future. These programs can provide working capital after a tough season, a major repair, or a slow-pay customer. As on-time payments build, they can position your company for stronger transport and logistic business loans down the road.

Trucking and Logistics Loan Services

We design our trucking and logistics loan services around the realities of the road changing fuel prices, delayed payments, and shifting freight demand. Our application process is straightforward, and our funding options help cover working capital, new or used equipment, technology upgrades, and terminal improvements.

With flexible terms, competitive pricing, and structures that track with your load and payment cycles, our goal is to keep your trucks running and your logistics network operating smoothly.

Who We Serve

Frequently Asked Questions

What is the process for getting a trucking and logistics SBA loan?

You complete a brief online application and share recent bank statements plus core business documents such as your MC authority, insurance details, and equipment list. Our team reviews your file, matches it with sba loans for trucking companies and other options, and then presents clear offers. Most decisions are delivered within a few business days so you can keep your trucks on the road and freight moving.

What can I use a trucking and logistics business loan for?

Funds from an SBA loan for trucking company owners or business loans for logistics businesses can be used for fuel, repairs, insurance, permits, driver payroll, trailer additions, warehouse space, dispatch software, or marketing. Many operators also use these transport and logistic business loans to smooth cash flow while waiting on broker or shipper payments.

Can I qualify if my trucking or logistics business is new?

Newer carriers and logistics companies may still qualify if they meet the minimum revenue, time-in-business, and credit guidelines. Even if you’re just getting established, we review your contracts, experience in the industry, and projected routes to see what is possible today and how to position you for stronger SBA options as your operation grows.

What documents are required for transport and logistic business loans?

Most sba loans for trucking companies and logistics businesses require recent bank statements, a copy of your commercial insurance, a basic equipment list, proof of ownership, government-issued ID, and in some cases tax returns or profit-and-loss statements. For larger SBA packages, you may also need a business plan, list of major customers, and details on any existing loans or leases.

Trucking and Logistics SBA Loans