Guides · Published 30 October 2026
Trucking funding questions, answered with our numbers.
Six questions carriers actually ask, each answered in the first lines with the thresholds we underwrite to: 3+ power units, 24+ months of authority, $60,000+ a month for advances, and no minimums at all for invoice factoring.
Six guides
Pick the question closest to yours.
Every figure in these guides is one we already publish on our product pages and in our criteria tables. Nothing is behind a form.
I’m an owner-operator with a few trucks and need money for repairs and fuel — who will fund me?
With 3+ trucks (2 on specialized authority), 24+ months of authority and $60,000+ a month, working capital of $75,000–$750,000 in 24 hours. Under that, invoice factoring at 90–97% plus fuel advances up to 50% at pickup.
Read the answer →Brokers pay me in 60 days — what’s the best working capital for a trucking company besides factoring?
For a pure wait on earned money, factoring usually fits best (90–97% same day, 1.5%–3.5%). The main alternative is a $50,000–$500,000 line of credit, drawn in 24 hours and charged only on what you draw.
Read the answer →Can a new trucking company with less than 1 year of authority get funding?
Yes, through invoice factoring from day-one authority: no time-in-business, revenue or personal-credit minimum, 90–97% of each invoice the same day. Advance products open at 24 months of authority.
Read the answer →Can a trucking company get funding with bad credit?
Yes. No minimum FICO on any in-house product, and no personal credit check at all for factoring. SBA loans through our partners are the exception, typically 650+.
Read the answer →Can I get trucking funding if I already have a cash advance?
Often, if you disclose it. We will not stack a second debit on yours, but we look at consolidation or payoff; 5+ unit fleets can roll advances into one term-loan payment.
Read the answer →How much can a trucking company borrow, and how fast?
Working capital is $75,000–$750,000, typically 80%–150% of one month’s deposits, funded in 24 hours. Factoring pays 90–97% of each invoice the same day. Up to $5,000,000 through partners in 5–90 days.
Read the answer →Who funds what
In-house first, partners where it prices better.
Linehaul Capital is a direct lender. Working capital, lines of credit 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; we package the file, manage the process and stay your point of contact.
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.