Fuel Cost Volatility
Diesel prices spike without warning. When fuel costs jump 30% in a quarter, your margins disappear, but your routes don't. Working capital absorbs the shock.
Industries · Trucking & Transportation
Trucking & Transportation Business Loans. Keep your fleet moving. We'll handle the capital.
Fuel, repairs, fleet expansion. Funding forowner-operators and trucking fleets. Invoice factoring available. Funded in 24 hours.
At a glance
What financing is available for trucking and transportation companies?
Fuel, repairs, fleet expansion. Funding forowner-operators and trucking fleets. Invoice factoring available. Funded in 24 hours.
- Funding speed
- 24 Hours
- Min FICO
- 500+
- Min revenue
- $15K/mo
Last updated 2026-06-24
Why we fund trucking & transportation
We underwrite the rhythm, not the label.
The numbers below are the playbook ICG runs against trucking & transportation every week. Cash flow patterns, repayment tolerance, and seasonality are read from your bank activity, not assumed from your category code.
24 hr
Typical funding speed
500+
FICO floor
$15K+
Monthly revenue minimum
No docs
Required to start an application
Every approval comes from a person, not a policy engine. An underwriter who has read hundreds of trucking & transportation bank files looks at yours and answers the same business day.
Common funding uses
What capital is actually for in trucking & transportation.
The scenarios below are the recurring reasons ICG funds this vertical. If your situation looks like one of these, the underwriting playbook is already written.
Repair Emergencies
A blown transmission on a Class 8 truck is a $15K–$25K bill that can't wait. Every day that truck sits is revenue lost.
Freight Broker Payment Delays
Freight brokers pay net-30 to net-60. You delivered the load last month. Your fuel bill is due today. Factoring solves this permanently.
Products mapped to this industry
Eligibility for trucking & transportation
The bar is short. And it is the whole bar.
No upsells, no surprise documents. Meet the criteria below and the application is built for you.
- 01
Minimum 6 months operating as a trucking/transportation company
- 02
$15,000+ monthly revenue
- 03
500+ personal credit score
- 04
Active MC authority and USDOT number
Questions, answered
Real questions from trucking & transportation operators answered straight.
Do you factor freight invoices same-day?
Yes. Once your factoring facility is set up (3–5 business days), individual invoices can fund same-day, you upload the rate confirmation and BOL, we advance 90% on receipt.
Is factoring recourse or non-recourse?
Both options are available. Non-recourse is slightly more expensive but we absorb the loss if a qualifying broker defaults on payment.
Can an owner-operator with one truck qualify?
Yes. Single-truck owner-operators with a valid MC authority and 6+ months of consistent deposits can qualify for both factoring and revenue-based funding.
Can I use funding to buy another truck?
Equipment financing is the correct product for truck acquisitions, it uses the truck as collateral and offers better terms than a working-capital advance.
Ready when you are
Get trucking & transportation funding in 24 hours.
Soft credit pull. Same business day answer. One dedicated ICG team from application to wire.