Industry expertise
Business Loans for Trucking and Transportation Companies
Get working capital to cover fuel, repairs, and payroll while you wait 30 to 60 days for freight brokers and shippers to pay outstanding invoices.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Businesses funded
- 10,000+Businesses funded
- In funding secured
- $500M+In funding secured
- Industries served
- 50+Industries served
Why it's different
Funding built around how trucking & transportation actually run
Trucking runs on a payment gap built into the industry itself. You pay for fuel, driver wages, tolls, and maintenance as soon as a load moves, but freight brokers and shippers routinely pay on net-30 or net-60 terms. That mismatch means a growing carrier can be profitable on paper and still run short on cash because too much revenue sits in unpaid invoices. Add in diesel price swings, DOT compliance and permitting costs, and the unpredictable expense of an engine repair or blown tire, and cash flow discipline matters as much as freight volume.
TrustFi works with owner-operators and fleets of every size, and we understand that a stack of unpaid broker invoices doesn't mean your business is in trouble, it means you're waiting on money you've already earned. Whether you need to cover next week's fuel and payroll, repair a truck that's sitting instead of hauling, or buy an additional trailer to take on more freight, applying takes under 10 minutes and does not impact your credit score. Approved carriers can see funding in as little as 24 hours.
What we hear
The cash-flow pressures you know too well
Broker payment terms outpace your bills
Freight brokers and shippers commonly pay on net-30 or net-60 terms, but fuel, driver pay, tolls, and lease payments come due weekly, so a growing carrier can have plenty of freight booked and still come up short on cash in the meantime.
Diesel price swings squeeze margins
Fuel is one of the largest costs per mile in trucking, and a spike in diesel prices can quickly erode margins on loads booked at a fixed rate, especially on longer hauls where fuel makes up a bigger share of total cost.
Breakdowns take a truck off the road
An engine failure, blown tire, or transmission issue doesn't just cost money to fix, it takes a revenue-generating truck out of service until the repair is done, and every day it sits idle is a day without freight income to offset the repair bill.
DOT compliance and permitting never stop
IRP registration, IFTA fuel tax reporting, ELD system costs, and commercial auto and cargo insurance renewals are recurring, non-negotiable expenses that keep a fleet legally on the road, and they come due on their own schedule regardless of how freight volume is trending.
Where the money goes
What trucking & transportation use funding for
- Purchase or lease additional trucks and trailers
- Cover fuel and payroll while waiting on broker payments
- Repair engines, transmissions, or replace worn tires
- Pay IRP registration, IFTA taxes, and permits
- Fund driver recruiting and onboarding costs
- Upgrade ELD systems and fleet tracking technology
Our recommendation
Funding options that fit trucking & transportation
Based on how businesses in your sector earn and spend, these three structures tend to work best.
- Option 1
Invoice Factoring
Sell your outstanding freight invoices for immediate cash instead of waiting the standard 30 to 60 days for a broker to pay, keeping fuel and payroll covered no matter how slow a broker is.
How it works - Option 2
Collateralized Business Loans
Finance a truck or trailer purchase using the equipment itself as collateral, which often means better terms than unsecured funding for a purchase this large.
How it works - Option 3
Business Line of Credit
Draw funds to cover fuel or an unexpected repair, then repay as broker payments come in, giving you a reusable cushion instead of taking out a new loan every time cash gets tight.
How it works
Getting started
Three steps, no runaround
- 1
Tell us your story
Share a few details about your business and what you need the capital for. It takes under 10 minutes and never touches your credit score.
- 2
Review your options
A specialist reviews your file and comes back with clear, side-by-side options — real numbers, plain English, no pressure.
- 3
Fund your future
Pick the option that fits. Once you approve, funds can reach your account in as little as 24 hours.
Client stories
We're proud to be part of their journey.
The success of our clients is our greatest reward — 350+ five-star Google reviews and counting.
TrustFi was fantastic to work with on our business capital funding needs. They were professional, efficient and provided the best customer service experience I've had in this industry. We will continue to partner with TrustFi on our funding needs going forward. Highly recommend!
MMaria O. My experience with Griffin Ferro and his team at TrustFi was fantastic. He was able to get me funding in one day. Griffin's communication was awesome. He made sure I knew what was going on every step of the way. He took the time to make sure I completely understood all the aspects of the transaction.
JJohn Highly recommend and a great experience. Gary had our best interest in mind, with professionalism, dedication and care. They really supported our business needs. Great customer service as well!
TTim F.
Can trucking companies get funding while waiting on broker payments?
Yes. Invoice factoring lets you sell outstanding freight invoices for cash now instead of waiting the standard 30 to 60 days for a broker or shipper to pay. A business line of credit works similarly, letting you draw funds to cover fuel and payroll and repay once invoices are settled.
How fast can I get funding to repair a broken-down truck?
TrustFi offers a 2-hour response guarantee after you apply, and approved carriers can see funding in as little as 24 hours. That speed matters in trucking, where a truck sitting idle for repairs means lost freight income on top of the repair cost itself.
Does applying for a trucking business loan affect my credit score?
No. Applying does not impact your credit score, and the application takes under 10 minutes to complete. That means owner-operators and fleet owners can check their funding options for a repair, a broker payment gap, or a new truck purchase without any risk to their credit.
What can trucking business loans be used for?
Common uses include purchasing or leasing trucks and trailers, covering fuel and payroll during broker payment delays, repairing engines or replacing tires, paying IRP and IFTA fees, funding driver recruiting, and upgrading ELD or fleet tracking systems. TrustFi funding isn't restricted to a single purpose.
Is invoice factoring different from a regular business loan?
Yes. Invoice factoring involves selling your outstanding invoices for immediate cash rather than borrowing against future revenue, so it's built around invoices you've already earned but haven't been paid on yet. It's a common fit for trucking specifically because of how routinely brokers and shippers pay on delayed terms.
Can owner-operators with just one or two trucks qualify?
TrustFi works with trucking businesses of different sizes, from owner-operators to larger fleets, and looks at your overall business picture rather than requiring a large fleet to qualify. The application takes under 10 minutes, so you can find out what you're eligible for without a lengthy process.
Funding for trucking & transportation, without the runaround.
Apply in under 10 minutes. A specialist who understands your sector will walk you through the options within two hours.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Transparent terms with no hidden fees