Trucking Business Loans & Funding
Fast capital for owner-operators and fleets. Bad credit OK.
Prime Business Care specializes in trucking business loans for owner-operators and fleet owners. Get working capital, fuel advances, equipment financing, and factoring — all designed for the unique cash flow challenges of the trucking industry. Funded in as little as 24 hours.
Business Loans Built for the Trucking Industry
Trucking business loans from Prime Business Care are designed around the reality of life on the road: unpredictable cash flow, 30-60 day freight payment cycles, volatile fuel costs, expensive equipment, and banks that don't understand owner-operator businesses.
Whether you're an owner-operator running a single rig, a small fleet owner managing 5-20 trucks, or a larger carrier with a growing operation — we provide fast funding that keeps your trucks moving. Most banks decline trucking applications due to credit or business structure. We specialize in funding the companies banks reject.
From a $25,000 merchant cash advance to cover fuel and repairs, to $500,000 equipment financing for a new Peterbilt, to $2 million in working capital for fleet expansion — we have a product for every stage of your trucking business. Funded in 24 hours. Bad credit accepted. MC and DOT required.
The Real Cash Flow Challenges in Trucking
We understand the trucking industry because we fund it every day. Here are the common challenges that make fast business funding essential for trucking companies.
30-60 Day Freight Payment
Brokers and shippers pay on NET 30-60 terms. You deliver the load, send the invoice, then wait weeks for payment while fuel, repairs, and payroll bills keep coming.
Volatile Fuel Costs
Diesel prices swing wildly. A trip that was profitable last month might be a loss this month if fuel spikes. Fast capital helps absorb the shock.
Unexpected Repairs
A blown transmission, totaled trailer, or DOT compliance issue can sideline a truck — and your income — for weeks. Emergency funding keeps you rolling.
Credit Doesn't Reflect Reality
Many truckers have challenged personal credit from early career struggles. But your business is profitable today — traditional banks miss that story.
Banks Don't Get Trucking
Traditional lenders struggle with single-truck owner-operators. They see "high risk" while you see a well-run business with consistent revenue.
Growth Requires Capital
Adding a truck, hiring a driver, or scaling your fleet requires upfront capital that takes months to recoup. Most truckers can't save that fast.
Trucking Business Loan Products
We offer multiple funding products tailored to different trucking business needs. Here's what we fund and how to pick the right product for your situation.
Merchant Cash Advance for Trucking
Fast funding based on deposit history. Repayment flexes with your revenue — daily or weekly withdrawals tied to cash flow. Perfect for owner-operators with variable income and challenged credit.
Learn about MCA →Truck & Trailer Financing
Finance semi-trucks, trailers, reefers, dump trucks, and specialty equipment. Both new and used up to 10 years old. The equipment secures the loan — easier qualification, lower rates.
Learn about equipment financing →Freight Invoice Factoring
Turn unpaid broker invoices into immediate cash. We advance 90-95% of invoice value within hours. Factor collects from broker on NET 30. Keeps your trucks moving without waiting on payment.
Learn about factoring →Working Capital Line of Credit
Revolving credit line for ongoing trucking business needs. Draw when you need cash, repay as loads get paid. Only pay interest on what you use. Perfect for managing seasonal fluctuations.
Learn about lines of credit →What Truckers Use Business Funding For
Trucking business loans are flexible and cover virtually every expense you face on and off the road. Here's what our trucking clients use funding for most.
Buying a Truck
Down payment or full purchase of new or used semi-trucks, box trucks, or specialty vehicles.
Fuel Advances
Cover diesel costs between pickups and deliveries. Keep your cards loaded no matter what.
Emergency Repairs
Engine, transmission, brake, or DOT compliance issues handled without missing loads.
Insurance Premiums
Liability, cargo, and physical damage insurance — often $10K-$15K annual premiums upfront.
Driver Payroll
Pay drivers on time even when broker payments are late. Keep your team driving, not leaving.
Permits & Licensing
IFTA, IRP, MC authority, state permits — all the paperwork costs that keep you legal.
Trailer Purchase
Dry vans, reefers, flatbeds, step decks, tankers — financing for all trailer types.
Fleet Expansion
Add trucks and drivers to grow revenue. Capital for growth without cash flow disruption.
Cash Flow Bridge
Cover expenses while waiting for broker payments on NET 30-60 invoices.
How to Qualify for a Trucking Business Loan
Our trucking business loan requirements are realistic for real trucking companies. Here's exactly what you need to qualify for fast funding.
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Active MC/DOT Authority
Valid Motor Carrier number and DOT authority. Authority must be active and in good standing with FMCSA.
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6+ Months in Business
Operating at least 6 months with consistent freight deposits. Longer history unlocks better rates and larger amounts.
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$15,000+ Monthly Revenue
Minimum $15K in monthly gross revenue verifiable through bank deposits. Higher revenue means larger funding amounts.
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500+ Credit Score
We accept FICO scores as low as 500 for most products. Bad credit doesn't disqualify — we look at business performance.
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Business Bank Account
Dedicated business checking account showing regular freight payments and operational activity. Personal accounts won't qualify.
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No Open Bankruptcies
No currently open bankruptcy proceedings. Discharged bankruptcies typically OK after 1-2 years with good business performance.
Trucking Businesses We Fund
From single-truck owner-operators to established fleets, we fund every stage and specialty of trucking business.
Owner-Operators
Small Fleets (2-10)
Box Truck Operators
Dump Truck Operators
Reefer Carriers
Last-Mile Delivery
Tanker Operators
Flatbed & Heavy Haul
Fleet Owners (10+)
Hotshot Truckers
Agricultural Haulers
Intermodal/Drayage
Why Truckers Choose Prime Business Care
We fund more trucking businesses than almost any other product category. Here's why owner-operators and fleet owners prefer us over banks and other funders.
Same-Day Funding Possible
MCA and factoring products can fund same-day for qualified truckers. Most products funded within 24-48 hours — fastest in the industry.
Bad Credit Welcome
500+ FICO accepted for most products. We look at your business bank statements and load history — not just your credit report.
Trucking Specialists
Our team knows trucking. We understand NET 30-60 payments, fuel costs, DOT compliance, and owner-operator business structures.
Renewal-Focused
Most truckers we fund come back for renewals. Build a relationship once, get better rates and terms on every future funding.
Multiple Products
MCA, equipment financing, factoring, working capital, lines of credit — all under one application. We match you to the best product.
Dedicated Specialist
Work with one funding specialist who understands your business from first call through funding and renewal. No getting passed around.
Trucking Business Loan FAQ
Common questions from truckers and owner-operators about business funding, qualification, and products.
What are trucking business loans?
Trucking business loans are financing products specifically designed for trucking companies and owner-operators. They include working capital loans, merchant cash advances, fuel advances, equipment financing for trucks and trailers, and invoice factoring for freight receivables. These products address the unique cash flow challenges of the trucking industry.
Can owner-operators get business loans?
Yes. Prime Business Care works extensively with owner-operators. While traditional banks often decline owner-operators due to credit or business age, we evaluate deposit history, load volume, and equipment value. Owner-operators with 6+ months in business and consistent revenue typically qualify for $10,000 to $500,000+ in funding.
How fast can I get funded?
Most trucking business loans through Prime Business Care are approved within 24 hours, with funds deposited within 24 to 48 hours. Fuel advances can often be completed same-day for established drivers. Equipment financing for trucks typically takes 2 to 4 business days including vendor verification.
Can I get a trucking loan with bad credit?
Yes. Prime Business Care approves trucking loans with credit scores as low as 500 for MCA products and 550 for equipment financing. We evaluate your business revenue, deposit history, and equipment value rather than just credit score. Many owner-operators with challenged credit qualify based on their load volume and consistency.
What can I use trucking business funding for?
Trucking business funding can be used for any business expense including truck and trailer purchases, fuel costs, insurance, DOT compliance, repairs and maintenance, driver payroll, permits and licensing, expanding your fleet, covering slow-pay receivables, and bridging cash flow gaps between loads.
What is factoring for trucking?
Trucking factoring is when you sell your outstanding freight invoices to a factoring company for immediate cash — typically 90-95% of the invoice value upfront. The factor collects from the broker or shipper. This eliminates the 30-60 day wait for freight payment and keeps your trucks moving without cash flow interruptions.
How much can I borrow as a trucker?
Amounts range from $10,000 for single owner-operators up to $5,000,000 for established fleets. Most owner-operators qualify for 80% to 150% of monthly gross revenue. For example, a trucker grossing $30,000/month typically qualifies for $24,000 to $45,000 in fast funding.
Do I need an MC or DOT number to qualify?
Yes. You need an active MC number and DOT authority to qualify for most trucking business loans. You'll also need to be in business at least 6 months, have a business bank account showing consistent freight deposits, and have no current bankruptcy proceedings.
Apply for Trucking Business Funding Today
Get a decision in 24 hours. No credit impact on initial application. MC/DOT required. Bad credit welcome.
Start Your Application