What is the best business funding for trucking?

The most common options for trucking are equipment financing, invoice factoring, merchant cash advance, business line of credit. The best fit depends on your time in business, revenue, credit and what the funds are for.

Can trucking get funding with bad credit?

Often yes. Revenue-based products such as merchant cash advances and collateral-backed products like equipment financing weigh revenue and assets more than credit.

How much funding can trucking get?

Revenue-based providers commonly approve about 50%–150% of average monthly revenue. Term and SBA loans may go higher for established businesses.

What documents do trucking need?

Usually 3–4 months of business bank statements, ID and a voided check; larger loans add tax returns and financial statements.

Industry funding

Business Funding for Trucking

The most common business funding options for trucking are equipment financing, invoice factoring, merchant cash advance and business line of credit. Freight factoring and truck financing are the backbone of trucking finance; MCAs help with emergency repairs.

Last updated October 23, 2026

Typical funding needs for trucking

Truck and trailer purchases
Fuel and repairs
Insurance down payments
Waiting on broker payments

Funding options compared

Comparison of business funding options (industry estimates)
Option	Amount	Term	Typical cost	Speed	Credit
Equipment Financing	$5k – $5M	2 – 7 years	6% – 30% APR	1 – 10 days	600+
Invoice Factoring	$10k – $10M	Per invoice (30–90 days)	1% – 5% per 30 days	1 – 3 days	Customer credit matters most
Merchant Cash Advance	$5k – $500k+	3 – 18 months	1.10 – 1.50 factor	24 – 72 hours	500+ often accepted
Business Line of Credit	$10k – $500k	Revolving; draws 6–24 mo	10% – 60% APR	1 – 7 days	600 – 680+

Typical requirements

6–24 months in business depending on product
$10k+ in monthly revenue for revenue-based options
3–4 months of business bank statements
580–680+ credit depending on product

Frequently asked questions

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Funding types for trucking

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Written by

BusinessFundingQuote Editorial Team

Small business finance writers

Reviewed by

Funding Review Desk

Reviewed for accuracy against current market practices

Rates and ranges on this page are typical market estimates for educational purposes, not offers. How we make money.