Fuel, repairs, and drivers do not wait on broker payment terms
Trucking is a business where nearly every cost is immediate and nearly every dollar of revenue is delayed. Fuel is paid at the pump, drivers are paid weekly, a blown transmission is paid the day it happens — while the freight bills that cover all of it sit in a broker's 30-to-45-day queue. Growth makes it tighter, because every additional truck widens the gap before it closes it.
Where it squeezes
- 01Broker and shipper terms running 30 to 45 days on delivered loads
- 02Fuel costs that move with the market and are due immediately
- 03Unplanned repairs that park a revenue-producing truck
- 04Driver pay and recruiting costs in a tight labor market
- 05Insurance premiums and DOT compliance costs due in lump sums
What owners use capital for
- Covering fuel and driver pay between settlements
- Emergency repairs to get a truck back on the road
- Adding a tractor or trailer to take on more freight
- Paying annual insurance and permit renewals
- Bridging a slow season without parking equipment
What trucking businesses most often use — in order.
Invoice Factoring
B2B businesses carrying real receivables from slow-paying customers.
- Amount
- Up to 90% advance rate
- Term
- Per-invoice, no long-term contract
- Speed
- Fast once your account is set up
- Cost basis
- A discount on the invoice face value
- Scales with your receivables
- No long-term contract
- Your customer's credit matters most
Only works if you invoice other businesses — there is nothing to advance against otherwise.
Compare structuresRevenue-Based Financing
Seasonal businesses and those with uneven month-to-month revenue.
- Amount
- $5K – $1M
- Term
- Varies with your receipts
- Speed
- Often the fastest option to fund
- Cost basis
- Factor-based cost, disclosed as a total before signing
- Payments scale with revenue
- Lightest documentation
- Credit is not the primary factor
Typically the highest cost per dollar — you are paying for speed and flexible qualification.
Compare structuresEquipment & Expansion
Businesses making a larger, longer-horizon investment.
- Amount
- $25K – $2M
- Term
- 12 – 36 months, typical
- Speed
- Days to a couple of weeks
- Cost basis
- Cost reflects the asset and the term
- Asset-backed options
- Longer terms spread the cost
- Preserves working cash
The capital is purpose-bound to the asset or project, not general-use cash.
Compare structuresBusiness Line of Credit
Businesses that want capital on standby for recurring or unexpected needs.
- Amount
- $10K – $250K revolving
- Term
- Revolving, typically renewed annually
- Speed
- Days to set up, then draw on demand
- Cost basis
- You are charged only on what you draw
- Draw and repay on your schedule
- Pay only for what you use
- Replenishes as you repay
Approval amounts are usually smaller than a term structure, and the line must be maintained.
Compare structuresAmount ranges and timelines are typical ranges, not guarantees. All financing is subject to underwriting review; product availability and terms vary by applicant.
Asked and answered.
Net-60 receivables and retainage while payroll runs every Friday. The work is finished; the money is still on someone else's schedule.
Insurance reimbursement lag turns profitable practices into cash-tight ones. The revenue is real; the timing is not yours.
Weekly payroll against net-45 client terms. Every new contract widens the gap before it closes it.
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