Working capital, built for trucking business

Keep the wheels turning between settlements

Factoring's taken its cut, the broker pays in 45, and the truck's down for a turbo — but the next load is already booked.

Owner-operator or a growing fleet, we review on settlements and deposits — lumpy weeks and factoring included.

Owner-operators & fleets alike
Lumpy settlements understood
A down truck won't sink your file

You may qualify. Approval depends on underwriting. No obligation to accept an offer.

What happens after you check

Reviewed on revenue & bank activity
Share 3–4 months of statements if it looks viable
A specialist follows up — no obligation

Owner-operators & fleets alikeLumpy settlements understoodA down truck won't sink your file

Sound familiar?

The load's booked. The money just isn't here yet.

You're not short on work — you're short on the gap between doing the work and getting paid for it. Here's where that gap usually bites.

Factoring already took its cut, the broker still pays net-45, and fuel and the truck payment don't care that the money's on the way.

With capital in place, you cover fuel and fixed costs now and let the slow-paying invoices catch up on their timeline instead of yours.

A blown turbo or a DOT repair grounds the truck, and every day it sits is a day the only thing that earns is parked in a shop bay.

With working capital ready, the truck gets back on the road for the load that's already booked — instead of waiting until the cash clears to authorize the fix.

There's freight you could take with a second truck or a down payment, but committing the cash means you can't cover the lane you're already running.

With funding behind you, you put money down to add capacity without starving the routes paying the bills today.

Owner-operator or fleet, you may qualify on your settlements and deposits — factoring included. No obligation, and payments are built to fit how you actually get paid.

60-second cash-flow stress test

How would your cash flow handle a bad week?

Use your average monthly settlements/deposits. Four questions for a live range and readiness score. Six quick taps — no credit pull, and nothing is saved until you choose to continue. You'll see exactly where your cash flow is exposed, and what to do about it.

Not a commitment to lend or a bank loan. Approval depends on underwriting and is not guaranteed. Full disclosures.

Common uses

What trucking business owners use working capital for

Fuel & maintenance

Smooth out fuel costs and routine maintenance between settlements.

Truck & trailer repairs

Cover unexpected repairs when capital is in place so a down truck gets rolling.

Equipment down payment

Put money down on another truck or trailer to grow capacity.

Bridge slow-paying freight

Cover the gap while brokers and shippers pay invoices.

Driver payroll

Keep drivers paid on time during slower freight weeks.

Funding options

One conversation. The funding option that actually fits.

There's no single right way to fund a business — it depends on what the money is for and how you get paid. A funding specialist reviews your file and matches you to the option that fits your cash flow, starting with the one most small businesses reach for first.

Working Capital Advance

Business Line of Credit

Best when the need is recurring and you want to draw and repay as cash flow moves.

A revolving limit you draw from when you need it and pay down when you don't, so capital is there for the next gap without reapplying. You only carry what you actually use; access and terms depend on underwriting.

Term Loan

Best when you have a defined, one-time use and want a predictable monthly payment.

A fixed amount repaid over a set term in predictable payments — straightforward to plan around for a specific project or purchase. Amount and term depend on underwriting and the strength of the file.

Equipment Financing

Best when you're buying equipment — new or used — and want to preserve cash.

Finance the truck, oven, chair, or machine so you can put it to work now while keeping cash free for payroll and the day-to-day. The equipment itself typically anchors the deal; new and used both qualify, subject to underwriting.

Invoice Factoring

Best when capital is tied up in unpaid invoices and you can't wait on net-30/60.

Turn outstanding invoices into cash now instead of waiting weeks for customers to pay, so a slow-paying client doesn't stall payroll or your next job. Availability is based on your receivables and your customers' credit, subject to review.

FundVella is not a lender. We connect business owners with funding specialists who review your file and match you to available options. A factor rate is not an APR. You may qualify; approval depends on underwriting, payments must fit your cash flow, and there's no obligation to accept an offer.

What we look at

How files are reviewed

Reviews are based on business revenue and bank activity — not a single number. Here's what tends to matter most.

Settlement pattern

Broker and factoring settlements and how consistent deposits are across weeks.

Time & authority

Operating history and time running under your own authority.

Repairs & fuel swings

Big one-off repair or fuel weeks are read in context, not as a red flag.

We understand fluctuating fuel costs and factor settlement and deposit patterns.

Is this a fit?

Good fit vs. may need a closer look

A “may need review” doesn't mean no — it just means a specialist will look closer.

Often a good fit

May need review

Time under authority: 6+ months operating
Time under authority: Just got authority / under 3 months
Monthly settlements: Regular broker/factoring deposits
Monthly settlements: Sparse or one-off loads
Bank activity: Recovers between settlements
Bank activity: Frequent NSFs / negative days
Existing advances: None or one manageable
Existing advances: Multiple stacked advances
Statements: 3–4 months ready
Statements: Can't share statements

How it works

Three steps, no surprises

1
Complete a quick prequalification
Answer a few questions about your business. About two minutes, no obligation.
2
Share recent bank statements if the file looks viable
If the basics line up, share 3–4 months of business bank statements for a proper review.
3
Review available options if underwriting supports the file
A funding specialist may contact you to review options. Approval depends on underwriting.

Secure submission

Your details are sent over an encrypted connection.

Reviewed by a specialist

A real funding specialist reviews your file — not an instant algorithm.

Revenue-first review

Files are weighed on revenue and bank activity, not credit alone.

No obligation

Prequalifying doesn't obligate you to accept any offer.

Questions

Frequently asked

I'm a single owner-operator — can I still apply?

Yes. Owner-operators are reviewed on the same basis: business revenue, bank activity, and time in business. You may qualify; approval depends on underwriting.

I use a factoring company — does that affect the review?

No. Factoring deposits are read as normal carrier revenue. Underwriting looks at the overall deposit pattern, factoring included.

How much funding could my business qualify for?

It depends on underwriting — amounts are based on your revenue, bank activity, time in business, and existing obligations. A specialist reviews your file to find a range.

Business revenue & deposits
Time in business
Bank activity & existing obligations

What do I need to get started?

Just a quick prequalification. If the file looks viable, recent business bank statements (usually 3–4 months) help move it forward.

Will checking my readiness affect my credit?

Starting a prequalification doesn't trigger a hard credit check. Options are reviewed mainly on business revenue and bank activity; credit is considered, but it isn't the only factor.

Is there any obligation?

None. Submitting your information doesn't obligate you to accept an offer, and any payments must fit your cash flow. A specialist may contact you to review your inquiry.

See what you may qualify for

Start a quick prequalification based on your revenue and bank activity.