Trucking: what can a carrier present to lenders?
A carrier or an owner-operator with a registered business is presented from the broker and shipper payments in the account. The lender decides, for the truck as for the wait.
Choose my amountThe answers
- Can I finance a truck or a trailer?
- Yes, new or used, from a dealer or a private seller with a bill of sale. The lender finances based on the vehicle’s price and value, and on your file.
- Brokers and shippers pay me late: what covers the gap?
- Factoring of your freight invoices, or a working-capital advance sized on your deposits. The lender decides which it offers, and at what cost.
- I have one truck and a numbered company: can I apply?
- It can be presented once the business has its own account and statements. The lender reads what goes through that account and sets its own thresholds.
- Does a fuel card count against me?
- A fuel card already running is read as a commitment, like any other advance. It does not stop the file; the lender weighs it in its offer.
What the lender looks at
- Actual deposits, month by month
- Broker and shipper payments, as they actually land in the account.
- Days in overdraft
- Fuel and repairs that push the account below zero are read closely.
- Payments to other lenders
- A truck already financed elsewhere counts as a commitment.
- How long the business has been operating
- A carrier with a short history can still be presented for equipment; the lender sets its threshold.
$0 upfront · 7% only if funded
An intermediary, not a lender.
The lender sets the final amount and its cost in its written offer.
Choose my amount