Legal · Effective 21 October 2026
Lending and Advertising Disclosure
Who funds what, how we are compensated, and the basis for every figure published on this site.
1. Who funds what
Linehaul Capital is a direct lender. In-house underwriting is the first option on every file. Working capital, lines of credit, equipment financing and invoice factoring are underwritten and funded in-house as the first path.
SBA 7(a) and 504 loans, and bank term loans above $250,000, are arranged through our bank and SBA lending partners. SBA products must be originated by an SBA-approved lender. On those products we package the file, manage the process, and remain your point of contact.
Where a file cannot be funded in-house, we may present it to a lending partner. We will tell you if that happens.
2. How we are compensated
On products we fund, we are compensated by interest, discount, fees or origination charges, each disclosed in your agreement before you sign. On partner-originated products we may receive a referral or packaging fee from the partner; that compensation is disclosed in the transaction.
Where a file arrives through a referring ISO or broker, that partner is paid a commission on funded deals. A referral commission does not change the terms you are quoted.
3. Basis for published figures
Every rate range, advance rate, amount, term and timeline published on this site reflects programs available as of the date stated on the page. They are typical ranges for qualified applicants, not offers. Your terms depend on your file.
Third-party market data — ATRI, DAT, FMCSA, FreightWaves, ATA, SBA and insurance survey data — is attributed and dated on Resources, which carries a last-verified date on every table and is reviewed quarterly.
4. Not an offer or a commitment
Nothing on this site is an offer to lend or a commitment to lend. All funding is subject to underwriting, verification and final approval.
5. Not all applicants qualify
Published eligibility criteria are thresholds for consideration. Meeting them does not guarantee approval. A file that clears every published threshold may still decline on bank-statement condition, undisclosed existing debt, negative days, NSF frequency, verification failure, or safety and authority status.
6. Commercial purpose only
All products offered are for business purposes only. No product offered is a consumer loan. Consumer lending protections including the Truth in Lending Act and Regulation Z do not apply to commercial financing.
7. How cost is presented
Cost is presented to applicants as the total cost of funding, the payment amount, and the term, in dollars. That is a deliberate presentation standard and it applies on every call and every quote. Where a state commercial financing disclosure law requires an annual percentage rate or an estimated APR, that figure is provided in the form that state prescribes — see Compliance.
8. Personal guarantee
Most products require a personal guarantee from an owner holding 20% or more of the business. A personal guarantee is not a collateral pledge; working capital and lines of credit under $250,000 are unsecured and carry no lien on equipment.
9. Early payoff
The up-to-30% early-payoff discount is a program feature with terms stated in your agreement. The applicable discount depends on timing — the earlier the payoff, the larger the discount, up to the stated maximum. It is not automatic and it is not available on partner-originated products.
10. Security interests
Invoice factoring is secured by a UCC-1 filed on accounts receivable only, never as a blanket lien. Equipment financing is secured by a first-position lien on the titled unit only. Working capital and lines of credit under $250,000 are unsecured. Term loans above $500,000 arranged through our bank partners often carry a blanket UCC; that is the partner’s requirement and it is disclosed before you sign.
11. Contact
Linehaul Capital
9719 S Dixie Hwy #8, Miami, FL 33156
See also Terms of Use, Privacy Policy, Compliance and SBA Loans.