Time in business
Around six months of operating deposits is a common starting conversation.
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Industry
Port and corridor freight settle after the miles.
Local and regional fleets pay fuel and maintenance weekly while brokers settle later.
The cash cycle
Equipment for power units and trailers; working capital for the gap. Diversified settlements read better than one lane.
We look at settlement partners, existing factoring relationships, equipment liens, and whether revenue is diversified or one broker away from a stall.
How operators typically use funds
- Fuel and operating cash between settlements.
- Trailer or power-unit financing with clear titles.
- Bridge capital after a large receivable delay.
- Maintenance that should not wait on the next load.
Structures we often discuss
- Invoice factoringWhen billed freight is real and the debtor is the credit story.
- Equipment financingFor titled assets with useful life.
- Short-term working capitalFor fuel and ops — with existing holds disclosed.
Eligibility snapshot
A starting frame — not a decision.
Revenue
Near $15,000 in monthly deposits is a typical conversation starter. Owner-operators and fleets look different — the statements still decide.
Credit
Personal credit near 500+ is often discussed, along with existing obligations in the trade.
What we watch in this trade
Authority status, insurance, prior factoring, and whether “growth” is simply more miles for a broker that already pays late.
Soft inquiry to start. Applying is free and is not an offer of credit.