Direct lender · Motor carriers only
Funding for motor carriers that already run.
Linehaul Capital is a direct lender for fleets with 3 or more power units and 24 or more months of active MC/DOT authority. $75,000 to $750,000. Same-day decision. Funded in 24 hours. No minimum FICO.
Running one or two trucks, or newer than 24 months? You are not out — you are on invoice factoring: 90–97% of your invoice, same day, no time-in-business minimum.
Fleet qualifier
Two inputs. Find out which product you’re on.
These are the same three thresholds we underwrite to. Nothing here is a credit decision and nothing here touches your credit.
Tractors or straight trucks you currently run.
- Power units — 3 or moreOr 2 on reefer, flatbed, tanker, hazmat, or car-haul authority.
- Authority — 24 months or moreActive MC/DOT in authorized for-hire status, no revocation in 24 months.
- Monthly deposits — $60,000 or moreAveraged across the last six months of business bank statements.
Estimate only. Working capital is typically 80%–150% of one month’s average deposits, floored at $75,000 and capped at $750,000 in-house. Factoring advances 90%–97% of invoice face value. Final terms are set by underwriting on a complete file. This tool uses the same three thresholds we underwrite to. It is not a credit decision and it does not touch your credit.
Published criteria · Last updated October 2026
Eligibility criteria
These are our actual approval thresholds, not a marketing range. If your file clears them, we fund. If it doesn’t, the table below already told you which product you’re on. Both tracks in full, in plain HTML, no form required.
| Power units | 3 or more tractors or straight trucks in active service. 2 accepted for reefer, flatbed, tanker, hazmat, and other specialized authority. |
|---|---|
| Operating authority | MC/DOT active and in “authorized for-hire” status for 24 or more continuous months. No revocation in the last 24 months. We verify this in FMCSA SAFER before we call you. |
| Monthly revenue | $60,000 or more in average monthly business bank deposits across the last 6 months. |
| Amount | $75,000 minimum. $750,000 maximum in-house. Up to $5,000,000 through our bank and SBA lending partners. |
| Credit | No minimum FICO. We do not decline on personal credit score alone. We read bank statements, not credit reports. |
| Safety | No “Unsatisfactory” FMCSA safety rating. New-entrant safety audit completed and closed. |
| Documents | 6 months of business bank statements. No tax returns required under $250,000. No business plan. No collateral on working capital. |
| Decision | Same business day. Funds in 24 hours. |
| Early payoff | Up to a 30% discount on the remaining balance. |
| Contract | Two pages. |
| Power units | 1 or more. Owner-operators accepted. |
|---|---|
| Operating authority | Active MC/DOT. No minimum age. Day-one authority accepted. |
| Monthly revenue | No minimum. No monthly volume commitment. |
| Credit | No minimum FICO. No personal credit check. We underwrite the broker or shipper who owes the invoice, not you. |
| Advance | 90% to 97% of the invoice, paid same day on loads delivered and documented by 1:00 PM ET. |
| Rate | 1.5% to 3.5%, set by monthly volume and recourse terms. |
| Fuel advance | Up to 50% of the linehaul at pickup, once the load is covered. |
| Contract | Month to month. No long-term contract, no termination fee, no monthly minimum. |
Not eligible for any product
- Freight brokers and 3PLs with no owned or leased power units
- Carriers under an active FMCSA out-of-service order
- Carriers whose only receivables are from a related-party shipper
- Carriers with an open involuntary bankruptcy
Why the 24-month rule exists
Motor carriers with fewer than two years under their own authority have an average three-year failure rate of 85% (FreightWaves, August 2026, citing Mitsubishi HC Capital America).
Under 49 CFR Part 385, a new carrier is also inside an 18-month FMCSA new-entrant monitoring window and must pass a safety audit in its first 12 months — authority can be revoked by a regulator for reasons that have nothing to do with the bank account.
We will not write an unsecured advance against that. We will factor your invoices from day one, because factoring is secured by the broker’s credit, not yours.
Why we print this
Most trucking lenders won’t tell you their numbers until you’ve handed over your bank statements.
We publish ours because the alternative wastes your week. A carrier running one truck at $18,000 a month does not need to fill out a seven-page application to find out we won’t write a $20,000 advance. He needs to know that in nine seconds, and then be told the thing that actually works for him — factoring his delivered loads at 90 to 97 cents on the dollar, same day, with no time-in-business minimum.
Everything above is what we actually approve to. If your file clears it, we fund. If it doesn’t, we’ll say so on the first call, not on day nine.
Six products
What we fund, with the real numbers.
Every product below is underwritten in-house as the first path, except SBA and bank term loans above $250,000, which are arranged through our bank and SBA lending partners.
Invoice Factoring
90–97% advance, same day. Fuel advances up to 50% at pickup. Month to month, no termination fee.
1.5%–3.5% · no TIB minimum How factoring works → 12-month barEquipment Financing
Tractors, trailers, reefer units, APUs. Private party and auction accepted. We fund the seller directly.
$40K–$500K/unit · 24–72 mo Finance a unit →Working Capital
Unsecured. No lien on your trucks, no blanket UCC. Six months of statements and your MC number.
$75K–$750K · 24 hours Apply for working capital →Line of Credit
Revolving. Draw for fuel, repairs, and insurance renewals. An undrawn line costs you nothing.
$50K–$500K · draw in 24h Open a line →Term Loans
Fixed payment, fixed end date. For acquisitions, terminal buildout, and consolidating advances.
$100K–$2M · 12–60 mo Price a term loan →SBA Loans
The cheapest money a carrier can get, and the slowest. Arranged through our SBA lending partners.
Up to $5M · 30–90 days Start an SBA file →What carriers use it for
The four things that take a fleet down, and what they cost.
At a 0.4% average truckload operating margin (ATRI, 2025 data), three bad months closes a carrier with no cushion. These are the three months.
The engine goes
$18,000–$45,000An in-frame overhaul: $9,500–$26,000 in parts, $8,500–$19,000 in labour at a $110–$185 shop rate. The truck earns nothing the whole time it sits.
Insurance renews
$51,000 / yrOn a five-truck fleet, at $10,200 per truck. $15,900 per truck in year one on new authority. Premiums rose another 6.4% in Q1 2026 — the fastest-rising cost line in trucking.
Fuel float
$4,800 / truck / moAt 48.2¢ a mile and roughly 10,000 miles a month. Paid at the pump, every week, before any broker pays you.
The broker pays in 45
45 daysYou paid the driver on Friday. Driver wages are 81.8¢ a mile — the largest single line in your cost structure and the one that cannot wait.
| Use of funds | Real cost | Detail |
|---|---|---|
| Engine overhaul | $18,000–$45,000 | Parts $9,500–$26,000; labour $8,500–$19,000 at $110–$185/hr |
| Used Class 8 tractor | $40,000–$80,000 | 400,000–600,000 miles |
| New Class 8 tractor | $150,000–$200,000+ | Current model year |
| Insurance, new authority | $15,900 / truck / yr | $11,800 for an established owner-operator |
| Insurance, 5-truck fleet | $51,000 / yr | $10,200 per truck, usually due in one block |
| Fuel float | $4,800 / truck / mo | 48.2¢/mile × ~10,000 miles |
Sources: ATRI Analysis of the Operational Costs of Trucking: 2026 Update (2025 data) · truckmaintenancecost.com · 2026 commercial truck insurance survey data. Last verified 21 October 2026.
Market, week of October 4, 2026
Spot rates are up 29–35% year over year. There are 25–30% fewer trucks posting against them.
More than 8,000 DOT-numbered companies shut down or lost authority between January 2024 and March 2026, and small fleets of 1 to 20 trucks were about 70% of them. Over the same stretch truck posts fell 25–30% while load posts rose 25–27%.
If you are still running, you are in the minority that cleared it — into the best rate environment in three years, with the least competition in three years. Adding a truck right now is the cheapest capacity decision you will make this cycle. That is what we fund.
Sources: DAT via Trucking Dive, week beginning Oct 4 2026 · FMCSA · ATRI Analysis of the Operational Costs of Trucking: 2026 Update. Full tables on Resources.
How it works
Four steps. One phone call.
Apply in about 6 minutes
Six months of business bank statements. No tax returns under $250,000. No business plan.
We pull your authority
MC/DOT status, authority age, power-unit count, and safety rating, straight from FMCSA. You don’t send us anything we can look up ourselves.
Same-day decision
A funding specialist calls you with the number, the term, and the total cost of funding. One call, a real person, not a queue.
Funded in 24 hours
Two-page contract. Up to 30% off the remaining balance if you pay it early.
Questions carriers actually ask
Answers, with the numbers in them.
Can I get trucking business funding with bad credit?
Yes. Linehaul Capital has no minimum FICO on any product. We underwrite six months of business bank deposits, your authority age, and your power-unit count. Personal credit score alone does not decline a file. For invoice factoring we don’t run personal credit at all — we check the broker who owes the invoice.
How much revenue does a trucking company need to qualify?
$60,000 or more in average monthly business bank deposits over the last six months, for working capital, term, line of credit, and equipment financing. Invoice factoring has no revenue minimum.
How long do I need my own authority?
24 continuous months in “authorized for-hire” status for Track 1 products, and 12 months for equipment financing because the unit secures the note. There is no minimum for invoice factoring — we factor day-one authority.
Can an owner-operator get funded?
Not for a working-capital advance — we require 3 or more power units, or 2 on specialized authority. Owner-operators are funded through invoice factoring: 90–97% of the invoice, same day, no time-in-business minimum, month-to-month, no termination fee.
How fast is funding?
Decision the same business day. Money in 24 hours on working capital. Invoice factoring funds the same day on loads delivered and documented by 1:00 PM ET.
What documents do I need?
Six months of business bank statements and your MC/DOT number. No tax returns under $250,000, no business plan, no collateral on working capital. Factoring adds a signed notice of assignment, rate confirmation, signed BOL or POD, W-9, and certificate of insurance.
Do you fund freight brokers?
No. Linehaul Capital funds asset-based motor carriers only. Brokers and 3PLs without owned or leased power units are not eligible for any product.
Is there a penalty for paying early?
The opposite. Pay off early and you get up to a 30% discount on the remaining balance.
Check your numbers against ours.
Six minutes. Six months of bank statements. A decision today.
Apply now → 3+ power units · 24+ months authority · $60,000+/month — or start on factoring with none of those.