How is this different from invoice factoring?

Factoring sells specific invoices at a discount and your customers usually know about it. A working capital facility is a credit line you draw and repay on your own schedule, with no notification to your brokers or shippers. Many carriers use both — factoring for spot loads, a facility for the operating base.

Can I get this with equipment loans already outstanding?

Yes. Existing truck notes are normal in this sector and are treated as fixed obligations in the cash flow analysis, not as a strike against you. Payment history on those notes actually helps the file.

Does a poor CSA or safety score kill the deal?

It matters because it affects your ability to keep hauling. A deteriorating safety profile with out-of-service violations is a real problem. A single event with a documented corrective plan generally is not.

We run mostly spot freight. Is that a problem?

It affects sizing more than approval. Spot exposure means more revenue volatility, so facilities are usually sized more conservatively than for a carrier with dedicated contract lanes. Showing 6-12 months of settlements helps considerably.

Fuel now, settle later

Working Capital for Trucking & Logistics Operators

Fuel goes on the card today; the broker settles in 30 to 45 days. Multiply that across a fleet and the working capital requirement scales linearly with the number of trucks you run — which is why carriers frequently find that adding trucks makes cash worse before it makes cash better. Rate volatility on top of that timing mismatch is what turns a profitable operating quarter into a tight one.

Quick answer

Working capital for trucking and logistics operators. Cover fuel, maintenance, and driver pay while broker and shipper settlements run 30-60 days.

Get a structure for this situation

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You are probably here because

Fuel, tolls, and maintenance are immediate while broker and shipper settlements run 30-60 days

You are adding trucks and each new unit consumes cash for a month before it contributes any

Spot rates dipped and you need to hold on without cutting the fleet

A large shipper customer extended terms unilaterally and you absorbed it

How we structure it

Facility size$75K – $8M

Term6 – 36 months

Advance basisTrailing settlements and AR from brokers and direct shippers

Time to fund3 – 10 business days

What we need to give you an answer

Have these together and you will know where you stand in 24-48 hours instead of three weeks.

Trailing 3-6 months of settlements or bank statements showing revenue per truck

Authority status, safety score, and insurance in force

Customer mix — direct shipper contracts underwrite better than pure spot-market brokered freight

Existing equipment payments, which are the largest fixed obligation in almost every carrier file

How it played out

Adding eleven trucks without running the bank account to zero

A refrigerated carrier running 34 trucks won dedicated lanes with a food distributor requiring eleven additional units. Equipment financing covered the trucks; nothing covered the roughly $310,000 of fuel, driver onboarding, insurance, and maintenance float those trucks consumed before the first settlement arrived. We put a $500,000 revolving facility in place in six business days, drawn as trucks came online and repaid from settlements. All eleven units were running inside five weeks.