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Working capital loans for transportation & trucking

Short-term funding for payroll, rent, inventory and other everyday costs. Fleet owners use Credible Lending working capital loans to add a tractor or trailer or cover a major repair, with 3 to 18 months and decisions in 4–6 hours.

Apply nowAbout working capital loans
See what you qualify forStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your advisor.

$10K$5M
How long have you been in business?
What's your average monthly revenue?

Total deposits into your business account in a typical month.

What's your personal credit score?

An estimate is fine. Applying won't affect your score.

Where should your advisor reach you?

We'll use this only for your application.

Working capital loans for fleet owners
Amount$10K – $2M
Term3 to 18 months
SpeedDecisions in 4–6 hours
PaymentsDaily or weekly
Best forPayroll, rent, inventory and seasonal swings

Common uses in transportation & trucking

  • Add a tractor or trailer
  • Cover a major repair
  • Prepay insurance or fuel
  • Bridge broker payment terms

Why fleet owners choose a working capital loan

Brokers pay slowly

Invoice financing turns delivered loads into cash this week.

Downtime costs money

A truck in the shop earns nothing. Fast capital gets it back on the road.

Growth means another rig

Finance the next tractor against the tractor itself.

How does a working capital loan work?

  1. 1

    Apply with basic business details and recent bank statements.

  2. 2

    We review revenue and cash flow, not just your credit score.

  3. 3

    Choose from offers with different amounts and terms.

  4. 4

    Funds land in your account, often the same day.

What do I need to qualify?

  • 1 year in business
  • $10K+ in monthly revenue
  • 625+ FICO score
Check my options

Other funding for fleet owners

Questions, answered

Something else on your mind? Ask an advisor.

Can fleet owners qualify for a working capital loan?
Yes. Most Credible Lending programs look for at least one year in business, $10,000 or more in monthly revenue and a 625+ credit score. We review transportation & trucking financials with the industry's cash-flow patterns in mind.
How fast can I get a working capital loan?
Decisions typically come within 4–6 hours of a complete application, and funding often follows the same or next business day.
What documents do I need?
Usually a short application and your last three to four months of business bank statements.
Do you finance used trucks?
Yes, subject to age, mileage and valuation of the vehicle.

Ready when your business is.

Apply in about three minutes with a soft credit check. You'll hear back the same day.

Apply nowTalk to an advisor