What types of financing are available for trucking companies?

REIL Capital offers three core financing products for trucking businesses: bridge capital (working capital for fuel, payroll, and daily operations), equipment financing (to purchase or lease trucks, trailers, and fleet equipment), and invoice financing (to unlock cash from unpaid freight broker invoices). Qualification starts at $20,000 per month in revenue and a 500 FICO score.

How fast can a trucking company get funded through REIL Capital?

REIL Capital's application takes approximately 2 minutes to complete. Most trucking businesses receive approval the same day, with funds deposited in 24 to 48 hours after accepting terms. The process has three steps: apply online, get approved, and receive funds.

What credit score do I need to qualify for trucking business financing?

REIL Capital has two qualification tiers. Tier 1 requires a minimum 500 FICO score with $20,000 or more in monthly revenue and 6 months in business. Tier 2 requires a 600 FICO score with $250,000 or more in annual revenue. Both tiers require the 4 most recent business bank statements. Applying does not impact your credit score.

Can I use trucking business financing to cover fuel and operating costs?

Yes. Bridge capital from REIL Capital is designed for exactly this purpose. Trucking companies use bridge capital to cover fuel expenses, driver payroll, insurance premiums, truck maintenance, and other operating costs that cannot wait for broker payments to clear. This is especially valuable when freight brokers take 30 to 90 days to pay invoices.

Does REIL Capital offer equipment financing for semi-trucks and trailers?

Yes. REIL Capital's equipment financing program covers semi-trucks, box trucks, flatbed trailers, refrigerated trailers, GPS and ELD systems, and other commercial fleet equipment. The equipment itself serves as collateral, which means lower risk for the borrower. This option works for both purchasing new equipment and replacing aging fleet vehicles.

How does invoice financing help trucking companies with cash flow?

Freight brokers and shippers often pay trucking companies on 30, 60, or 90-day terms. Invoice financing lets you receive funds against those outstanding invoices immediately rather than waiting weeks or months. This bridges the gap between completing a haul and receiving payment, so you can cover fuel, maintenance, and payroll without interruption.

Will applying for trucking business financing affect my credit score?

No. Applying for financing through REIL Capital does not impact your credit score. The initial application uses a soft credit inquiry. A hard inquiry only occurs after you accept a financing offer and move forward with funding.

What documents do I need to apply for trucking company financing?

REIL Capital keeps documentation requirements simple. You need your 4 most recent business bank statements. The online application collects basic information including your name, business name, annual revenue, time in business, and credit score range. No tax returns or business plans are required for the initial application.

Trucking Business Financing and Fleet Loans

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Business Name*

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Financing Solutions Built for the Trucking Industry

The trucking and transportation industry moves over $700 billion in freight across the U.S. each year. Running a trucking company means managing rising diesel costs, equipment maintenance, driver payroll, and the persistent gap between completing a haul and receiving payment. REIL Capital provides financing designed for these exact challenges.

Recommended Financing Products for Trucking Companies

Based on the common financial needs of trucking and transportation businesses, REIL Capital offers bridge capital for daily operations, equipment financing for fleet expansion, and invoice financing to unlock cash from unpaid freight invoices.

Cover fuel, payroll, and insurance between payments
Flexible repayment tied to revenue
Funded in 24-48 hours
No collateral required

Semi-trucks, box trucks, and trailers
Refrigeration units and GPS/ELD systems
Equipment serves as collateral
New and used fleet vehicles covered

The recommended product for trucking and transportation industry

Join our network of happy customers!

All you need to qualify

$20k+

In monthly revenue

6+

Months in business

500+

FICO Score

4

Most recent business bank statements

$250K+

In annual revenue

6+

Months in business

600+

FICO Score

4

Most recent business bank statements

Get Trucking Business Funding in 3 Simple Steps

REIL Capital keeps the application process fast so you can focus on running your fleet. Apply in 2 minutes, get approved the same day, and receive funds within 24 to 48 hours.

Apply Online

Just a few quick questions and away we go

Get Approved

Get your approval and jump for joy!

Receive Your Funds

Accept your terms and the funds are on the way!

Get funded now!

Ready to Get Your Trucking Business Funded?

Applying takes 2 minutes and will not impact your credit score. Join the trucking companies already funded through REIL Capital.

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Applying will not impact your credit score. By providing a telephone number and submitting the form you are consenting to be contacted by SMS text message from Mission Capital, LLC DBA REIL Capital. Message frequency may vary. Message & data rates may apply. Reply STOP to opt-out of further messaging. Reply HELP for more information. See our Privacy Policy: https://reilcap.com/privacy-policy/

Our recommendation for the trucking and transportation industry is

Bridge Capital

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Equipment Financing

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Invoice Financing

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Semi Truck Financing

Semi truck financing helps owner-operators and fleet companies acquire Class 8 trucks without paying the full cost upfront. A new semi truck typically costs between $130,000 and $200,000, making financing essential for most trucking businesses.

REIL Capital offers semi truck financing from $20K to $5M with terms tailored to the trucking industry. Approval requires as little as 6 months in business, $20K in monthly revenue, and a 500+ credit score. Most applications are funded within 24 to 48 hours, so you can get a truck on the road quickly.

Whether you're purchasing your first rig or expanding a fleet, semi truck financing lets you preserve working capital while building equity in an appreciating asset class within the transportation industry.

Box Truck Financing

Box truck financing covers straight trucks and cube vans used for local delivery, moving services, and last-mile logistics. Box trucks typically cost between $30,000 and $80,000 new, with used options starting around $15,000.

The box truck segment has grown significantly with the expansion of ecommerce delivery. Many entrepreneurs enter the trucking industry through box truck ownership because the barrier to entry is lower than Class 8 vehicles. REIL Capital finances both new and used box trucks with flexible terms and fast approval.

Financing a box truck through REIL Capital preserves your cash reserves for fuel, insurance, and operating expenses during the critical early months of building delivery routes and customer relationships.

Owner Operator Financing

Owner-operator financing provides independent truck drivers with capital to purchase their own equipment, cover operating costs, or bridge the gap between completing loads and receiving payment. Transitioning from company driver to owner-operator requires significant upfront investment.

Common financing needs for owner-operators include truck purchase or lease, trailer acquisition, insurance deposits, fuel cards, and working capital to cover the 30 to 90 day payment cycle common in freight brokerage. REIL Capital understands these cash flow patterns and structures financing accordingly.

As an owner-operator, your truck is both your workplace and your primary business asset. Financing through REIL Capital lets you choose the right equipment for your routes and freight specialization without being limited to what a carrier provides.

Frequently Asked Questions

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Trucking is one of many industries we serve with capital solutions built around fleet operations, freight billing, and equipment cycles.