About six minutes
Apply. About six minutes.
Six months of business bank statements and your MC number. A same-business-day decision and a call from a funding specialist with the number, the term, and the total cost of funding in dollars.
Before you start
What you need, what you don’t, and what you get.
- You need: your MC or DOT number, six months of business bank statements (PDF from your bank, not screenshots), and the amount you want.
- You do not need: tax returns under $250,000, a business plan, collateral on working capital, or a minimum credit score on any product.
- You will get: a same-business-day decision and a call from a funding specialist with the number, the term, and the total cost of funding in dollars.
Published criteria · Immediately above the handoff
Last chance to self-sort
Read the two tracks before you start. If you clear all three Track 1 thresholds you are on fleet capital; if you miss any one of them you are on invoice factoring, which has no floor at all.
| 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.
Pick your track
Both tracks start in the same place. Say which one you are on.
If you are not sure, start anyway — the first three questions sort you.
I run 3+ power units with 24+ months of authority
Working capital $75,000–$750,000, lines of credit $50,000–$500,000, equipment financing $40,000–$500,000 a unit, term and SBA through our bank and SBA lending partners. Same-day decision, funded in 24 hours.
Apply for fleet capital →I run 1–2 trucks, or I’m newer than 24 months
90–97% of your invoice, paid the same day on packets in by 1:00 PM ET. 1.5%–3.5%. No time-in-business minimum, no FICO minimum, no revenue minimum, no monthly minimum, month to month with no termination fee.
Apply for invoice factoring →Not sure? Start anyway — the first three questions sort you into the right track. You are never declined at the door; you are routed.
What happens next
Today and tomorrow.
- Today— we pull your authority from FMCSA, read your statements, and call you with a decision.
- Tomorrow— signed, funded. Two-page contract, with up to a 30% discount if you pay it off early.
- A person calls you.No automated email sequences, at any stage.
Privacy
We do not sell your application. We do not share personal information for cross-context behavioural advertising. Read the Privacy Policy, the Terms of Use, and the Lending and Advertising Disclosure.
Six minutes.
Six months of bank statements. A decision today.
Start your application → 3+ power units · 24+ months authority · $60,000+/month — or start on factoring with none of those.