Transportation Financing
Keep Your Business Moving With Capital for Vehicles, Daily Operations, and Growth.
Explore financing for fuel, payroll, repairs, or fleet expansion—based on your business revenue, credit profile, and funding needs.
For operating businesses with 6+ months of history. Requirements vary by program.
One Business.
Different Capital Needs.
Start with the purpose. Then compare the structure.
Capital for Your Next Move
Choose a funding purpose that supports your operation and repayment capacity.
Daily Operations
Cover fuel, driver payroll, tolls, and insurance while waiting for customer payments.
Vehicle Reliability
Address repairs or explore financing to replace vehicles and equipment that are becoming expensive to maintain.
Business Expansion
Add capacity for new contracts, invest in dispatch technology, or support a new service area.
Match the Financing to the Need
Business Funding
A defined amount of capital for a specific business expense. Review total repayment, payment frequency, and expected cash flow.
Explore Business Funding →Line of Credit
Access available credit as needed, subject to draw rules and approval. Compare interest, fees, and repayment terms.
Explore a Line of Credit →Equipment Financing
Explore financing for eligible vehicles or equipment. Asset value, age, condition, and down payment may affect terms.
Explore Equipment Financing →What Helps You Qualify?
Initial review focuses on operating history, verifiable revenue, and the ability to repay. These are starting points, not approval guarantees.
Business History
An active transportation business with an established operating record.
Verifiable Activity
Recent business bank statements showing deposits, expenses, and cash flow.
Credit & Obligations
Credit history, existing financing, and the requested amount help determine available options.
Minimum revenue and credit requirements vary by financing product and provider. Vehicle financing may also require an equipment quote and asset details.
Prepare for a Smoother Review
Business Details
- Legal business name and ownership information
- Time in business and average monthly revenue
- Requested amount and purpose of funds
Financial Documents
- Recent business bank statements
- Existing financing balances and payments
- Additional financial records if requested
For Vehicle Purchases
- Dealer or seller quote
- Vehicle year, mileage, and condition
- Expected down payment and intended use
From Request to Funding
Share Your Needs
Tell us what you want to finance and provide your business details.
Review Available Options
Provide requested documents and compare any offers, including costs and repayment obligations.
Complete the Agreement
If you accept an offer, complete final verification and signing. Funding timing depends on the program and documentation.
Before You Accept an Offer
Check Total Cost
Ask for the total repayment amount, fees, and APR where applicable. A factor rate and an interest rate measure cost differently.
Test Cash Flow
Compare payment frequency with customer collections. Leave room for fuel changes, repairs, and slower routes.
Review Obligations
Understand any liens, personal guarantees, down payment, and early payoff conditions before signing.
Transportation Financing FAQs
Can I use funding for fuel and payroll?
Working capital options may support fuel, payroll, repairs, and other operating expenses. Permitted uses depend on the financing agreement.
Is vehicle financing the same as working capital?
Vehicle financing is tied to an eligible asset purchase. Working capital supports operating expenses. The right structure depends on how you plan to use the funds.
Can a newer transportation business apply?
This page is intended for businesses with at least six months of operations and verifiable revenue. Individual programs may require a longer history.
Do I need excellent credit?
Credit is one part of the review. Requirements vary, and revenue, existing obligations, and equipment details may also affect eligibility and terms.
How quickly can I receive funding?
Timing depends on the selected product, provider review, complete documentation, and final verification. Ask about the expected timeline for your specific request.
Keep Your Business Moving Forward
Tell us what your operation needs. Explore financing that fits your next business decision.
Monday–Friday, 9 AM–6 PM ET. Financing is subject to approval. Amounts, costs, terms, and availability vary by program and applicant.