Guide · Amounts and timing
How much can a trucking company borrow, and how fast?
At Linehaul Capital, working capital runs $75,000 to $750,000 in-house — typically 80%–150% of one month’s average deposits — with a same-day decision and funds in 24 hours. Factoring is sized by your invoices rather than a cap: 90–97% of each delivered invoice, paid the same day on packets in by 1:00 PM ET. Larger amounts, up to $5,000,000, go through our bank and SBA lending partners in 5 to 90 days.
Amount and speed by product
| Product | Amount | Speed | Minimums | Funded by |
|---|---|---|---|---|
| Invoice factoring | 90–97% of each invoice | Same day by 1:00 PM ET; next business day after | 1 unit, active MC/DOT | In-house |
| Working capital | $75,000–$750,000 | Same-day decision, funds in 24 hours | 3 units (2 specialized), 24 months, $60,000/mo | In-house |
| Line of credit | $50,000–$500,000 limit | Draws in 24 hours | 3 units (2 specialized), 24 months, $60,000/mo | In-house |
| Term loan | $100,000–$2,000,000 | 5–10 business days | 5 units, 24 months, $100,000/mo | Bank lending partners above $250,000 |
| SBA loan | Up to $5,000,000 | 30–90 days | Typically 650+ credit, 2 years in business | SBA lending partners |
How working capital is sized
We start from your average monthly business bank deposits across the last six months. Approvals are typically 80% to 150% of one month’s average, floored at $75,000 and capped at $750,000 in-house. The fleet qualifier on our homepage runs the same math: at $85,000 a month in deposits it shows an estimated range of $75,000 to $127,500.
Our representative file: a carrier running 6 power units, with 30 months of authority and $120,000 a month in average deposits, is approved for $150,000, which is 125% of one month’s deposits, over 12 months. Terms run 4 to 18 months, repaid by a fixed daily or weekly ACH set at approval.
Where you land in the band depends on the condition of the statements: negative days, NSF frequency and any existing debt. Clean, steady deposits move a file up; an open advance you have not disclosed ends it.
What it costs
That representative $150,000 over 12 months is a $190,500 total payback: a $40,500 cost of funding, paid as $3,664 a week or $756 per business day. Pay it off in the first 30 days and you keep up to $12,150 of the remaining cost. Every quote is given as total cost of funding and payment amount, in dollars, on a two-page contract. An illustration, not an offer.
How factoring is sized
Factoring has no fixed ceiling tied to your fleet size: it grows with the invoices you deliver. A 5-truck fleet running $120,000 a month at 2.2% pays $2,640 a month in fees and converts a 45-day receivable into same-day cash. Add a fuel advance of up to 50% of the linehaul at pickup. If you need a lump for something you cannot invoice, like an engine, that is working capital, not factoring.
How fast, step by step
- Apply in about 6 minutes with six months of business bank statements. No tax returns under $250,000.
- We pull your authority, unit count and safety rating from FMCSA ourselves.
- Same-day decision. A funding specialist calls with the number, the term and the total cost of funding.
- Funded in 24 hours on working capital, or the same day on factoring packets in by 1:00 PM ET.
A line of credit limit is reviewed every six months against your deposits, so it goes up when your volume does.
Going above $750,000
Past the in-house cap, the money is cheaper and slower. Term loans of $100,000 to $2,000,000 need 5 or more units and $100,000 or more in monthly deposits, and above $250,000 they are arranged through our bank lending partners in 5 to 10 business days. SBA 7(a) and 504 loans run up to $5,000,000 in 30 to 90 days. Those fit buying another carrier, a yard or shop buildout, or consolidating short-term advances. If you need money this week, take working capital now and refinance into term later.
Who funds what
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; on those we package the file, manage the process and stay your point of contact. Details on our Disclosure page.
What you’ll need
- 6 months of business bank statements and your MC/DOT number.
- A list of any open advances or loans.
- For factoring: signed notice of assignment, rate confirmation, signed BOL or POD, W-9, certificate of insurance, voided check or ACH form.
- Above $250,000 on a term loan: 2 years of business tax returns and a year-to-date P&L.
Related: Brokers pay in 60 days · Funding for repairs and fuel · All five products compared
Questions carriers actually ask
Straight answers.
How is the working capital amount calculated?
From your average monthly business bank deposits over the last six months. Approvals are typically 80% to 150% of one month's average, with a $75,000 minimum and a $750,000 maximum in-house.
What is the most a trucking company can borrow?
$750,000 in-house on working capital. Term loans run up to $2,000,000 through our bank lending partners, and SBA loans up to $5,000,000 through our SBA lending partners.
How fast can a trucking company get funded?
Working capital has a same-day decision and funds in 24 hours. Invoice factoring funds the same day on complete packets received by 1:00 PM ET. Term loans take 5 to 10 business days and SBA loans 30 to 90 days.
What is the smallest amount you fund?
Working capital starts at $75,000 and lines of credit at $50,000. Invoice factoring has no minimum: you can factor a single load.
Can my limit go up later?
Yes. A line of credit limit is reviewed every six months against your deposits and goes up when your volume does.
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.