Trucking and Logistics Business Loans

Running a fleet or logistics operation means big expenses before the money comes in. Fuel, truck payments, repairs and driver wages never wait for invoices to clear. Our trucking and logistics business loans are built to close that gap so you can keep every load moving on schedule. Whether you want to expand your fleet, cover a slow season or grab a new contract, we help you access working capital quickly and with flexible terms that match the way your business runs.

Why Trucking and Logistics Companies Turn to Business Loans

Trucking and logistics businesses often face tight cash cycles, long payment terms and surprise repair bills. Our programs provide business loans for logistics businesses that are practical, fast and built around your revenue, not just your credit score.

You can use instant trucking business loans to handle fuel, maintenance, permits, insurance and payroll, or to add trailers and drivers when new routes open up. If you need to get logistics business loans to handle a large contract or peak season, our same day review process helps you move quickly instead of missing an opportunity.

Minimum Requirements for Trucking and Logistics Funding

To qualify for a trucking and logistics business loan, you’ll typically need to meet these basic guidelines:

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

Types of Trucking and Logistics Business Loan Options

Working Capital Trucking Business Loan

A working capital loan helps cover everyday costs like fuel, tolls, dispatch software and driver payroll. It is ideal when your loads are booked but cash is tied up in unpaid invoices. This option lets you smooth out your cash flow while keeping trucks on the road and customers happy.

Instant Trucking Business Loans

Need funds in a hurry for a repair, compliance upgrade or surprise expense? Instant trucking business loans are designed for speed, with a short application and rapid decisions. Use this option when a key truck is down or a new lane opens and you must act immediately.

Business Loans for Logistics Businesses

These term loans are built for 3PLs, brokers and logistics coordinators that need money for staffing, warehouse space, technology and marketing. Business loans for logistics businesses are a good fit if you want predictable payments and a clear payoff schedule instead of a revolving balance.

Business Line of Credit for Fleets and Carriers

A business line of credit works like a safety net. Draw only what you need, repay as cash comes in, then reuse the line again. This option is ideal for fleets that deal with seasonal demand or long shipper payment terms. It pairs well with same day truck financing needs such as emergency repairs or short-notice loads.

Same Day Truck Financing and Equipment Loans

When you need to add or replace a truck, trailer or reefer unit, same day truck financing and equipment loans can help you move quickly. Spread the cost over time while the asset earns revenue. This is a practical way to grow your fleet without draining your cash reserves.

Trucking and Logistics Loan Services

We understand that every carrier, owner-operator and logistics company runs a little differently. That is why our trucking and logistics loan services focus on flexible amounts, quick decisions and repayment schedules that align with your receivables. Whether you manage a small regional fleet or a multi-state logistics operation, we can help with funding for working capital, new equipment, technology upgrades and expansion into new routes or markets.

Our team reviews your revenue, contracts and goals to suggest options that fit your operation today and your growth plans tomorrow.

Who We Serve

Frequently Asked Questions

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

Start by completing a short online application and sharing recent bank statements or revenue documents. Our team reviews your information, discusses your funding needs and presents options that fit your business. Once you choose a program and sign the agreements, funds are typically deposited within a few business days.

What are the repayment terms for a trucking business loan?

Repayment terms vary by program, but most loans are repaid through fixed daily, weekly or monthly payments drawn from your business account. Lines of credit work differently: you only pay interest on the amount you use. We explain all costs and timelines upfront so there are no surprises.

Can I apply if my credit score is low?

Yes. We regularly work with trucking and logistics owners who have less-than-perfect credit. While your credit score is one factor, we also look at your revenue, time in business and overall ability to repay. In many cases, we can still offer funding even if you have been turned down elsewhere.

What are the eligibility requirements for trucking and logistics business loans?

You should operate an active trucking, logistics or transportation-related business, meet the minimum revenue and time-in-business guidelines, and hold at least 51% ownership. Having a separate business bank account and clear documentation of your income will strengthen your application and may improve your funding options.