# Funding for trucking companies, based on the loads you're already hauling

Source: https://revenuenotcredit.com/industries/trucking

A truck in the shop doesn't earn. When you need a repair, a down payment on another rig, or cash to cover fuel and insurance while brokers take 30 days to pay, funding based on your deposits can keep you moving.

## How funders look at trucking

Funders look at the money coming into your business account from brokers, shippers, and factoring companies. Owner-operators and fleets both qualify; what matters is money coming in month after month, not a perfect credit history.

## What owners use it for

- Engine and truck repairs
- Down payments on trucks and trailers
- Fuel and insurance premiums
- Covering slow-paying brokers
- Hiring and onboarding drivers

## Questions

**I factor my invoices. Can I still apply?**
Often, yes. Many funders work with trucking companies that factor. Tell us on the application which factoring company you use so funders can see how your deposits come in.

**Do owner-operators qualify?**
Yes. A single-truck operation with money coming in every month can be a fit. Typical minimums are about 4+ months in business and around $10,000 a month in deposits, and some funders go lower.

**How fast can I get back on the road?**
Once your application and last 4 months of statements are in, funders often respond with offers within a day or two. Timing depends on the funder.