The trucking cash cycle in one paragraph
You haul the load, send the invoice, and wait. While you wait, diesel gets bought, a tractor needs new tires, the insurance renewal is due and drivers expect to be paid on time. Trucking companies often look busy and profitable while their bank balance tells a tighter story. That is a timing issue, not a performance issue.
Who we focus on
This page is for established local and regional fleets: dump truck operators, regional freight carriers, last-mile and delivery fleets, hot shot operators running regional lanes, and haulers serving construction and agriculture. These businesses typically bring in $60,000 or more a month.
Long-haul operations face the same cash pressure, but they are not the focus of this offer and we do not promise funding for them.
What fast funding is used for
- Repairs that put a truck back in service. See emergency repair funding.
- Fuel and payroll while invoices are outstanding
- Adding a truck or trailer through equipment financing
- Insurance, permits and registration that come due at once
A business line of credit can also work well for fleets with recurring gaps between hauling and getting paid.
Fast, but honest about timing
People search for same day trucking funding because a truck sitting in the shop costs money every hour. Decisions through our partner Merchant Fund Express move quickly, and qualified fleets can be funded in as little as 24 hours. We will not promise a same-day deposit, because anything faster depends on the file and the bank.
For illustration, a regional carrier with six trucks and one down for an engine repair might apply in the morning, upload three months of statements, and be reviewed that day. The deposit timing depends on the details.
What the review is built around
Many owner-operators who grew into fleet owners carried the early years on personal credit. FICO scores from 500 are considered, and the focus is on the business: about three months of bank statements and steady deposits. No tax returns are required. Funding ranges from $25,000 to $5,000,000, and sole proprietors can apply.
Credit repair through Eagle is a separate service and is not needed to apply. When you are ready, start the 5-minute application.
Frequently asked questions
Do you fund long-haul trucking companies?
This offer focuses on local and regional fleets. Long-haul operations are not the focus, and we do not promise funding for them.
Can I get trucking funding the same day?
We do not promise same-day funding. Qualified fleets can be funded in as little as 24 hours, and timing depends on the file and the bank.
Can funding cover a major engine or transmission repair?
Yes. Working capital can cover repairs that get a truck back in service quickly.
Can I finance another truck or trailer?
Equipment financing is designed for that, with the vehicle typically securing the financing.
Do slow-paying brokers count against me?
The review looks at about three months of deposits overall, so consistent revenue matters more than any single slow invoice.