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Trucking & Freight Business Funding

Business Funding for
Trucking Companies

A down truck loses money every hour it sits. An insurance renewal doesn't wait for a good month. A load opportunity requires fuel now. Trucking moves fast — and so does MCA. 24-hour decisions, no DOT records required, 500+ FICO accepted. Owner-operators to mid-size fleets.

Quick Answer

Trucking companies and owner-operators qualify for MCA with 6+ months operating, $8,000+/month in business bank deposits, and 500+ FICO. MCA funds in 24–48 hours — fast enough for emergency repairs, insurance renewals, and down payments. Factoring relationships are acceptable. No DOT compliance records required in underwriting.

What Trucking Businesses Use MCA For

Six capital needs where MCA beats every other option on speed.

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Emergency Truck Repairs
A down truck means zero revenue. Engine work, transmission, brake systems — repair costs $3K–$30K+ and needs to happen fast. MCA funds before the truck is towed back in.
$10K–$40K typical
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Down Payment on Equipment
Truck lenders require 10–20% down. A used semi at $60K needs $6–12K down. MCA provides the down payment so the equipment loan can close.
$8K–$25K typical
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Fuel Advances
Fuel cards cap out, loads are pre-loaded but not yet billed, and fuel costs keep running. MCA provides working capital to keep trucks rolling before load payment arrives.
$5K–$15K typical
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Driver Payroll
Drivers expect weekly pay. Load payments and broker remittances run 30–45 days behind. MCA bridges the payroll gap for fleets expanding faster than their cash cycle allows.
$15K–$50K typical
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Insurance Premium
Annual commercial trucking insurance runs $10K–$50K+ per truck. Lump-sum annual payment is common — MCA funds the premium when renewal hits before the cash is accumulated.
$10K–$50K typical
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Dispatch & Business Costs
Dispatcher fees, ELD devices, IFTA permits, weigh station bonds, and compliance costs. MCA handles operating overhead while load revenue catches up.
$5K–$20K typical

Trucking MCA Approval Requirements

Monthly Deposits
Strong: $20,000+/month
Acceptable: $8,000–$20,000
Risk: Under $8,000
Personal FICO
Strong: 600+
Acceptable: 530–599
Minimum: 500
Time Operating
Strong: 2+ years
Acceptable: 6–24 months
Minimum: 6 months
NSF Frequency
Strong: 0 per month
Acceptable: 1–2 per month
Risk: 3+ per month

Note: Factoring relationships are acceptable. No DOT safety scores or compliance records are required in MCA underwriting. The evaluation is based on business bank deposits only.

Trucking Business Funding — Real Scenarios

Owner-Operator — Emergency
Single-truck operator — engine repair on I-40
Truck broke down in Oklahoma mid-route. Shop quoted $11,000 for engine repair. $18,000/month deposits, 545 FICO, 2 years operating. Applied from the truck stop. Decision in 6 hours, funded next morning. Truck back on the road in 4 days.
✓ Funded $14,000 — same day
Small Fleet — Equipment
3-truck fleet adding a 4th unit — equipment down payment
Found a clean 2019 Freightliner at $58,000. Lender required $12,000 down. Had $5K available. MCA funded the remaining $7K down payment. $32,000/month deposits across 3 trucks, 590 FICO, 3 years. Closed on the truck within a week of MCA funding.
✓ Funded $10,000 — 36 hours
Carrier — Insurance
Annual insurance renewal — $28,000 due
Annual premium renewal hit in January, cash was tight from a slow Q4. $41,000/month deposits, 565 FICO, 4 years. Couldn't lose insurance — a lapse means the trucks park and loads cancel. MCA funded the full premium same week as the renewal date.
✓ Funded $30,000 — 48 hours
Fleet — Driver Payroll
8-truck fleet — driver payroll before broker payment
Won a large contract but broker paid net-30. Drivers required weekly pay. First 4 weeks of the contract had $40K in payroll before the first broker check arrived. MCA bridged the 30-day gap. Repaid in full from the broker remittance.
✓ Funded $45,000 — 24 hours

Carrier Types We Fund

All carrier types and equipment categories accepted if base qualifications are met.

Owner-Operators Dry Van Carriers Reefer Carriers Flatbed Operators Hotshot Carriers Box Truck Operators Sprinter Van Fleets Tanker Carriers LTL Carriers Intermodal Drayage Last-Mile Delivery Auto Transport Heavy Haul Dump Truck Operators Moving Companies

Trucking Business Funding FAQs

Can a trucking company or owner-operator get MCA funding?

Yes. Trucking companies and owner-operators qualify for MCA with 6+ months operating, $8,000+/month in business bank deposits, and 500+ FICO. MCA funds in 24–48 hours. No DOT records or compliance scores are required in underwriting — only business bank deposit history.

Does a trucking company need to stop factoring to get MCA?

No. Most trucking businesses that factor freight bills can still qualify for MCA if factoring proceeds deposit to a business bank account. Those deposits count toward MCA underwriting. UCC lien position with your factor may be a consideration — T.A.G. reviews each situation individually.

Can an owner-operator with 1 truck get MCA?

Yes. Single-truck owner-operators qualify if they meet the base criteria: 6+ months operating, $8,000+/month in deposits, and 500+ FICO. A truck running $15,000–$25,000/month in loads has sufficient deposit volume for a meaningful advance amount.

How does MCA compare to freight factoring for trucking?

Factoring converts freight bills to immediate cash by collecting from the broker/shipper. MCA provides a lump sum against future deposit volume with no invoice requirements. MCA is better for one-time capital needs (repairs, down payments, insurance). Factoring is better for ongoing cash flow management. Many trucking businesses use both.

What documents does a trucking business need to apply?

Three items: (1) one-page business application with owner information, (2) 3 months of business bank statements, (3) driver's license or government ID. No tax returns, profit and loss, DOT records, or MC authority verification required.

What credit score does a trucking company need for MCA?

500+ FICO minimum. Trucking businesses often have irregular credit due to fuel costs, insurance premiums, and equipment financing. MCA underwriters weight deposit consistency heavily — strong, consistent deposits offset imperfect credit.

Trucking Business? Get Funded in 24–48 Hours.

One-page application, 3 months of bank statements. No DOT records, no collateral. Owner-operators to mid-size fleets. 500+ FICO accepted.

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