Trucking and Logistics Business Line of Credit

Keeping trucks on the road means constant spending on fuel, repairs, insurance, and drivers often long before brokers and shippers pay. A trucking business line of credit gives you flexible access to cash so you can cover those costs without waiting on invoices. Whether you run a regional fleet, a small logistics company, or operate a single rig, a revolving line of credit for trucking business needs can smooth out every bump in your cash flow.

Trucking and Logistics Business Line of Credit

Our programs are built for carriers, freight brokers, dispatch operations, and delivery fleets that need fast, repeat access to funds. When you’re ready to get logistics business line of credit support, you complete a short online application, upload recent bank statements, and review offers tailored to your lanes and contracts.

Draw what you need for fuel, maintenance, tolls, or driver settlements, then pay it back as invoices are collected. We also support mobile operations with a business line of credit for food truck owners who face the same fuel and repair swings as larger fleets. Use your credit again and again without reapplying—so you’re ready when a last-minute load or route opportunity appears.

Minimum Requirements for Business Funding in Trucking and Logistics

To qualify for a trucking or logistics line of credit, your business should meet these basics:

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

Fixed-term financing that provides a lump sum for larger projects like buying additional trailers, upgrading yard space, or consolidating higher-cost debt. Works well alongside a trucking business line of credit that covers daily fuel and repair needs.

Merchant Cash Advance

Funding based on future deposits, useful when you need quick cash for a big repair or to ramp up for a new contract while you wait on factoring or broker payments.

Business Line of Credit

A revolving facility designed specifically as a line of credit for trucking business and logistics operations. Draw for fuel, tires, tolls, and driver pay, then repay as loads deliver and customers pay. Ideal for carriers, brokers, last-mile fleets, and even a business line of credit for food truck operation that sees daily swings in sales.

Collateral Loans

Loans secured by trucks, trailers, or other equipment. These can unlock larger amounts for big-ticket purchases, while your line of credit continues to handle day-to-day working capital.

Bad Credit Business Loans

Options for trucking and logistics companies with credit challenges from downtime, rate drops, or slow-paying shippers. These solutions can stabilize cash flow and help you graduate into stronger line-of-credit products over time.

Trucking and Logistics Loan Services

Our trucking and logistics financing is built around real-world cash cycles fuel today, payment weeks from now. We look at your routes, load volume, and customer mix to design a trucking business line of credit that supports your operation instead of straining it.

Use the funding to cover fuel advances, shop bills, tires, permits, insurance, dispatch software, or short-term opportunities like taking on extra freight. Whether you manage a small fleet, coordinate third-party carriers, or run a single food truck, our goal is to keep your wheels turning and your cash position steady.

Who We Serve

Frequently Asked Questions

What is the process for getting a trucking and logistics business line of credit?

You start by completing a brief online application with details about your company, monthly revenue, and time in business. Then you upload recent bank statements and, in many cases, a simple list of your main customers or brokers. Our team reviews your file and proposes options for a trucking business line of credit or broader logistics facility that match your haul types, average invoice size, and payment cycles.

What can I use a trucking or logistics line of credit for?

A line of credit is meant for repeat, short-term needs. Carriers and logistics companies commonly use it for fuel, tolls, tires, routine maintenance, insurance down payments, and driver settlements. It can also cover lumper fees, roadside repairs, parking, or temporary storage while freight is in transit.

Can I qualify for a line of credit if my trucking business is still new?

You may still be eligible even if your operation is young, as long as you meet minimum revenue, time-in-business, and credit guidelines. When you apply for a trucking business line of credit, we also look at your experience in the industry, current contracts or dedicated lanes, and how consistently you’re moving freight not just how long your company has been registered.

What documents are required to get logistics business line of credit approval or a business line of credit for food truck operations?

Most applicants are asked for recent business bank statements, basic identification, and proof of ownership. For trucking and logistics, we may also request information such as FMCSA or DOT authority, insurance details, and an overview of your main brokers or shippers to help us get logistics business line of credit terms that match your risk profile.

Trucking and Logistics Business Line of Credit