Trucking · working capitalNovember 2026 edition hello@linehaulcapitalpartners.com
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Working capital for trucking

Fuel is due today. The broker pays in 35 days. We fund the miles in between.

Net-30 brokers, quick-pay fees, fuel cards, repairs that cannot wait and a truck payment that does not care whether the load paid — trucking cash flow runs on a delay. We size funding to the freight you are already hauling.

Size a request to the fleet See how it works for carriers
  • Sized to your rate confirmations
  • Decisions in 24–48 hours from statements
  • Every cost in dollars before signing
The trucking cash cycle

Where the money is, and when it isn't.

  1. Day 0

    Load booked

    Rate confirmation signed; fuel and the driver are paid before the truck moves.

  2. Day 1–3

    Delivered

    BOL signed, POD sent. The invoice starts its clock.

  3. Day 30–45

    Net-30 to net-45

    Brokers and shippers pay 30–45 days; quick-pay takes 2–5% to pay in days.

  4. Every month

    Fixed costs

    Truck note, insurance, ELD, plates and tolls come out on the same date every month regardless.

  5. Any day

    Repairs

    A set of tires or a turbo is $3,000–$12,000 the week it happens, not the month the invoice pays.

Situations we fund

What carriers come to us for.

Every situation
How it works for trucking

From the gap to funded, in four steps.

The whole process
  1. 3 minutes

    Tell us the lanes and the gap

    How many trucks, what they haul, who pays and how late. Three minutes, no credit pull.

  2. Same day

    Send statements and rate confirmations

    Deposits show the pattern; rate cons show the freight already booked.

  3. 24–48 hours

    Compare advance, factoring and equipment financing in dollars

    Amount, total payback, remittance, APR-equivalent beside any factor rate.

  4. A business day after signing

    Fund and remit as the loads pay

    Funding usually within a business day of signing; weekly or daily remittance sized to settlements.

Worked examples

The numbers, in your units.

Worked example

Three trucks, net-45 shipper, fuel due weekly

A three-truck carrier hauling for one shipper at $5,800 a load, two loads per truck per week, paid net-45. Fuel runs about $1,900 a truck a week; driver settlements $1,700.

The gap
Weekly revenue hauled$34,800
Paid in 45 days — outstanding at any time≈ $220,000
Weekly fuel + settlements$10,800
Weeks until the first checks land6–7
Gap to cover$68,000
The funding
Advance$70,000
Factor rate1.20 (≈ 70–80% APR-equivalent over 3 months)
Total payback$84,000
Remittance$1,330 per business day, 63 days
Cost of the bridge$14,000

The bridge, day by day

  1. Week 0

    Loads delivered, invoices out

    $34,800 a week hauled

  2. Day 3

    Funded

    $70,000 advance lands

  3. Weeks 1–6

    Fuel and settlements paid

    $10,800 a week, on time

  4. Day 45

    First shipper checks land

    Net-45 starts paying

  5. Month 3

    Remittance complete

    $84,000 delivered over 63 business days

What it costs, in dollars Illustrative · not an offer
OptionAmountFactor rateTotal paybackCostAPR-equivalentTerm
Advance sized to the gap$1,330 per business day, 63 days$70,0001.20$84,000$14,000≈ 80%3 months
Shipper quick-pay at 3%Cheaper, when the shipper offers it$220,000 of invoices——≈ $6,600≈ 24% APR-equivalentPaid in days

APR-equivalent = cost ÷ amount ÷ months × 12, so a factor rate can be compared with a loan's APR. Your terms depend on deposits, time in business and open positions; every option you receive is quoted as total payback in dollars.

What the numbers say. Quick-pay at 3% on the same $220,000 would cost about $6,600 — cheaper, if the shipper offers it. When it does not, the advance keeps the lane; when it does, we say take the quick-pay.

What a partner looks at

What a file from a trucking business needs to show.

Merchant cash advance

A purchase of a fixed amount of future receivables, remitted daily or weekly. Fast, sized to the settlement, and worth understanding fully before you take it.

Funding in 1–3 days
Revenue-based financing

Remitted as a percentage of revenue, so slow weeks remit less. Suits seasonal trades and lumpy receivables.

Up to 12–18 months
Equipment financing

The equipment secures the financing, which usually means lower cost and longer terms than unsecured capital.

Terms of 2–7 years
Business line of credit

Draw what you need when the gap opens and pay for what you use. The right tool for a recurring gap, not a one-off.

Revolving
Published minimums

What a partner needs to see

Time in business
6+ months with your own authority
Monthly deposits
$20,000+ on average
Freight
Rate confirmations or a dedicated-lane agreement strengthen the file
Existing positions
A truck note is fine; two open advances need a look first
Credit
500+ FICO considered; deposits weigh more

Close but not quite? Ask. Deposits and what is on its way matter more than any single line.

Check your fit
Questions carriers ask

Plain answers before you talk to anyone.

More questions on the trucking hub

Is an advance better than freight factoring?

Factoring is usually cheaper per dollar (1.5–4% per 30 days) and is built for trucking; it needs brokers who will pay the factor directly and a factoring contract that can be hard to leave. An advance is faster, needs no change at the broker, and costs more. We show both.

Can I fund a truck down payment with an advance?

Yes, and it is one of the better uses — if the lane that truck will run is signed. The tractor itself should go on equipment financing; the advance covers the down payment and first fuel.

Do fuel card balances count against me?

Partners see them in the statements. A fuel card paid on time reads as normal operating cost; a card in arrears reads as a cash gap, which is exactly what we are sizing.

The library

Guides for carriers, answer first.

The first guides are being reviewed and will appear here shortly.

Bring us the lane. We'll bring the numbers.

Start with the amount and the date it is needed. No obligation, no credit pull to begin.

Size a request