Industry funding
Cash for the miles you've already run.
Fuel and drivers are paid now; brokers pay in 30 to 60 days. We factor your freight bills for same-week cash and finance the equipment that grows your fleet.
The funding challenges trucking companies face.
Trucking pairs high upfront operating costs with slow-paying freight brokers — a cash-flow squeeze that idles trucks.
Slow freight payment
Brokers and shippers commonly pay on 30–60 day terms while fuel and wages are due immediately.
Fuel & maintenance up front
Diesel, repairs, and tires are paid out of pocket long before the load settles.
Costly equipment
Tractors and trailers carry six-figure price tags that strain a young fleet's cash.
Thin per-load margins
When margins are tight, a single slow-paying broker can stall the whole operation.
Funding solutions for trucking companies.
Factoring turns freight bills into immediate cash; equipment financing puts more trucks on the road.
Transportation & Trucking by the numbers.
Common ways trucking companies put capital to work
- Factoring freight invoices for same-week cash
- Financing tractors, trailers, and reefers
- Covering fuel and maintenance between settlements
- Adding trucks to take on more lanes
Testimonial
Factoring with Meridian changed everything. Instead of waiting two months on brokers, we get paid in a day or two and keep the wheels turning. We've added four trucks since.
Owner-Operator, Carter Freight Lines
Do you qualify?
Most trucking companies that meet these baselines can get funded. If you're close, apply anyway — we read the whole business.
- 6+ months in business under current ownership
- $15,000+ in average monthly revenue
- 500+ personal credit score
- A U.S.-based business with an active business bank account
Built for trucking companies
Keep the fleet rolling.
Apply in five minutes and get matched with an advisor who understands freight cash flow.