Industry Authority Center
A broken truck means zero revenue. A slow freight market means cash flow gaps even when you're running loads. Banks see trucking as high-risk and move too slow. This resource center was built for trucking businesses that need real capital answers — fast.
Trucking repair funding through MCA can get you $10,000–$500,000 in 1–2 business days based on monthly gross revenue. No equipment collateral required. 500 FICO minimum. The underwriter reviews your last 3 months of freight deposits — not your DOT authority age or equipment title.
Start with the path that matches your situation.
No restrictions on use — capital goes where your business needs it most.
Guides and tools built specifically for trucking business owners and fleet operators.
Emergency engine failure, transmission replacement, tire blowouts — how MCA funds trucking repairs faster than any bank, insurance gap, or factoring advance. Real cost examples included.
Read the Guide →Side-by-side comparison of speed, cost, credit requirements, and collateral. Includes a decision matrix for 8 real trucking scenarios — which product wins for your situation.
Compare Products →Bank said no to your trucking business? Here is what that means, what underwriters actually look at, and your realistic path to capital — with a 30-day recovery checklist.
Get the Guide →New to MCA? Complete explanation of how MCA works, what it costs, daily repayment mechanics, and what distinguishes it from a loan — written for trucking business owners.
Read the Guide →What does a 1.28 factor rate mean in dollars? How to compare two MCA offers, calculate total repayment, and understand what your daily holdback will look like against your freight settlements.
Read the Guide →Six steps from application to funded. Full timeline, required documents, what happens at each stage, and exactly what to expect — before you apply.
See the Process →The 4 factors that determine your trucking company's approval odds, advance amount, and factor rate.
Trucking factor rates: 1.18–1.35 for strong profiles. 1.35–1.49 for higher-risk or shorter history. Factoring company deposits count toward monthly volume.
Two different lenders looking at the same trucking company see completely different risks.
Trucking is one of the most consistently funded industries in MCA. Freight settlements — whether from direct shippers, brokers, or factoring companies — create exactly the deposit pattern underwriters want to see. Read the Trucking Repair Funding Guide →
Common questions from owner-operators and fleet companies about qualifying, amounts, and how MCA works for trucking.
Yes. Owner-operators qualify for MCA funding with the same criteria as fleet companies: 500+ FICO, 6+ months in business, and $8,000+/month in business bank deposits. Your freight income deposited into a business checking account is what underwriters evaluate — not DOT authority age, equipment value, or broker relationships.
Trucking companies typically qualify for 75–150% of average monthly deposits. An owner-operator averaging $18,000/month may qualify for $13,500–$27,000. A fleet averaging $85,000/month may qualify for $65,000–$130,000. Amounts up to $500,000 are available for established fleets with strong deposit history.
No. MCA funding does not require your trucks, trailers, or equipment as collateral. Repayment comes from a daily percentage of your business bank deposits — typically 10–15%. No UCC lien on equipment, no title transfer, no DOT bond requirement.
Most trucking MCA applications receive a decision within 2–4 hours of submitting 3 months of bank statements. Funding is deposited within 24–48 hours of contract signing. Emergency repair funding can sometimes be same-day for complete applications submitted before noon.
Underwriters evaluate four factors: (1) total monthly deposit volume — freight settlements, factoring company deposits, and direct broker payments, (2) NSF frequency — 0–2 per month preferred, (3) average daily balance — $1,500+ preferred, and (4) existing advance payments — too many simultaneous positions reduce approval odds.
Yes. Bank declines do not affect MCA eligibility. MCA underwriters evaluate deposit volume, not traditional creditworthiness criteria. A bank decline is common in trucking because banks view the industry as high-risk. MCA underwriters fund trucking companies daily — it is one of the most commonly funded industries.
Yes. MCA funds are unrestricted — fuel, emergency repairs, driver payroll, insurance premiums, new truck down payments, DOT compliance costs, or any other business expense. There are no restrictions on how you use the capital.
One-page application. 3 months of bank statements. Decision in 24–48 hours.
500 FICO OK · No equipment collateral · $8K/month minimum deposits
Or call/text: 330-238-3003
T.A.G. Business Funding
MCA funds in 1–3 days. No equipment collateral. Repayment adjusts with your weekly deposits.
500 FICO minimum · $8K+/month revenue · Bank declines welcome
