That's what working capital loans and credit lines are for.
The difference between the two
| Working Capital Loan | Business Credit Line |
How it works | Lump sum, fixed term | Revolving — borrow what you need, when you need it |
Best for | Specific one-time costs (repair, upfit, hire a driver) | Ongoing fluctuating needs |
Payment | Fixed monthly | Pay back what you borrow + interest |
Term length | 3 months to 5 years | Open-ended |
Speed to fund | Often 1–3 days | Once approved, instant draws |
Working capital loans — when they make sense
Major repair or breakdown — engine, transmission, brakes
Adding equipment — liftgate, pallet jack, reefer unit, e-tracks
Hiring — first driver, first dispatcher, signing bonus
Seasonal cash gap — January slowdown coverage
Down payment on a second truck (without dipping into operating cash)
Credit lines — when they make sense
Established carriers with a few years of operating history
Anyone who wants a safety net without paying for it until they use it
Carriers who hate factoring's per-invoice fees and want a different structure
Operations with predictable fluctuations (produce season ramping, retail peaks)
What our partner programs offer
Built for expedited carriers — partners understand the cargo van and box truck business cycle
Newer authority eligible — most partners require 6+ months of MC, some go shorter
Fast approval — many decisions in 24–48 hours
No collateral required for many programs (signature/personal guarantee instead)
Flexible repayment — daily, weekly, or monthly options depending on partner
Typical terms (industry ballpark)
These are general ranges. Actual rates depend on credit, time in business, revenue, and partner. We don't quote specific terms.
Product | Typical Range |
Working capital loan amount | $5,000–$250,000 |
Working capital loan rate | 8–30% APR (varies by credit) |
Working capital term | 3 months–5 years |
Credit line amount | $10,000–$500,000 |
Credit line draw rate | Prime + 2–10% |
What helps your application
6+ months of MC authority (longer is better)
Bank statements showing consistent broker deposits
Tax returns (1–2 years)
Personal credit (helps but isn't always a dealbreaker)
No recent defaults or bankruptcies
How to get connected
Tell us in chat:
Are you looking for a one-time loan or an ongoing credit line?
How much do you think you need?
What's it for (repair, expansion, hiring, etc.)?
How long have you been in business?
We'll route you to the right partner within 1 business day.
Quick decision guide
Use factoring if the problem is "I can't wait 30 days for broker payments."
Use a working capital loan if you have a specific known expense or opportunity.
Use a credit line if you want flexible safety-net capital available whenever you need it.
Use truck financing (not these) if you're buying a vehicle.
You can use multiple programs at the same time — many growing carriers do.
Disclaimer
Working capital loans and business credit lines are regulated financial products. Approval, rates, terms, and fees vary by partner and depend on your specific situation. Read all loan documents carefully and confirm you understand the total cost of capital before signing. We strongly recommend reviewing any agreement with a CPA or financial advisor if you're unsure.