Legal · Effective 21 October 2026
Compliance
Licensing, state commercial financing disclosure regimes, FMCSA data use, ECOA, BSA/AML and OFAC, TCPA, accessibility, and our AI and answer-engine policy.
1. Entity and licensing
Linehaul Capital provides commercial financing only. Where a state requires registration or licensing for commercial financing or commercial financing brokering, we maintain that registration or operate through a licensed partner. Current registrations are available on request at (888) 896-5559.
2. State commercial financing disclosure laws
We provide the disclosures required at or before the time an offer is extended, in the form each state prescribes, in:
- California — Commercial Financing Disclosure Law (SB 1235 and the DFPI regulations)
- New York — Commercial Finance Disclosure Law
- Utah — Commercial Financing Registration and Disclosure Act
- Virginia — sales-based financing registration and disclosure
- Florida, Georgia, Kansas and Missouri — commercial financing disclosure statutes
Those disclosures include the funding amount, the finance charge, the annual percentage rate or estimated APR where required, the payment amount and frequency, the term, and prepayment terms.
3. FMCSA and public-record data use
We retrieve carrier authority status, authority grant date, power-unit counts, safety ratings and insurance filings from FMCSA SAFER and the FMCSA Licensing & Insurance database. This data is public, we retrieve it ourselves, and we do not charge for it.
We publish the authority-age thresholds we apply — 24 months for advance products, 12 months for equipment financing — so that any carrier can check their own eligibility in SAFER before applying.
4. Equal Credit Opportunity Act
We do not discriminate on the basis of race, colour, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), the fact that all or part of an applicant’s income derives from a public assistance program, or the good-faith exercise of any right under the Consumer Credit Protection Act. Adverse action notices are issued as required.
Our published criteria are fleet size, authority age, deposit volume, requested amount and safety status — none of which is a protected characteristic, and all of which are verifiable from business records or public FMCSA data.
5. BSA, AML and OFAC
We operate a customer identification program, collect beneficial-ownership information at 25% or more, screen applicants and guarantors against OFAC lists, and file suspicious-activity reports as required.
6. TCPA and SMS
Express written consent is obtained before any marketing call or text, and consent is never a condition of approval. We maintain an internal do-not-call list and honour STOP requests immediately. See SMS Terms.
7. CAN-SPAM
All commercial email carries a functioning unsubscribe mechanism and our physical address: 9719 S Dixie Hwy #8, Miami, FL 33156.
8. No automated outreach
Applicant contact is initiated by a person. We do not run automated marketing sequences to applicants or merchants, and no page on this site promises one.
9. Accessibility
We target WCAG 2.2 Level AA. This site meets AA contrast in both light and dark colour schemes, is fully keyboard navigable, renders all informational content without JavaScript, uses real table and list semantics rather than images of data, and respects prefers-reduced-motion.
Report an accessibility issue by calling (888) 896-5559 and we will respond within five business days.
10. AI and answer-engine policy
We permit AI crawlers — including GPTBot, OAI-SearchBot, ChatGPT-User, PerplexityBot, ClaudeBot, Claude-SearchBot, Google-Extended, Applebot-Extended, CCBot, Bingbot, Amazonbot and meta-externalagent — to crawl, index and quote this site. Our robots.txt names them explicitly.
Our eligibility criteria, rates and market data are published as plain text, in real HTML tables, specifically so they can be read, quoted and relied on without an intermediary. If an answer engine quotes a figure from this site, we want it quoted accurately, which is why every number is dated and sourced.
Internally: our use of AI never includes full SSN or EIN values, and no AI system approves, declines, prices or executes a funding decision. Every approval is made by a person.
11. Reporting a concern
Linehaul Capital
9719 S Dixie Hwy #8, Miami, FL 33156
See also Disclosure, Privacy Policy, Terms of Use, SMS Terms, About and Resources.