Capital that keeps your fleet rolling
Truck purchases, fuel and maintenance bridges, factoring, and growth capital — matched to lenders who underwrite the way carriers actually operate.
Funding for trucking & logistics
Trucking and logistics businesses face a uniquely brutal cash conversion cycle. You pay for fuel, drivers, maintenance, and tolls today; brokers and shippers pay you on net-30 (or worse). Add equipment that costs more than a house and a regulatory environment that punishes any downtime, and capital becomes an operational tool, not a luxury.
Fine Point Lending works with carriers, owner-operators, freight brokers, dispatch services, and final-mile delivery companies to put the right structure in place — whether that's invoice factoring on the receivable side, equipment financing on a truck purchase, or an SBA loan to acquire a competitor's authority.
Challenges we solve for
Net-30 to net-90 receivables
Cash is constantly stuck in receivables. Factoring or a line of credit converts those invoices into working capital instantly.
Truck and trailer purchases
A single tractor can run $150K–$200K+. Equipment financing structured against the asset preserves cash for operations.
Fuel and maintenance volatility
Fuel spikes, surprise breakdowns, and DOT compliance work all hit the books unpredictably.
Driver hiring and retention
Sign-on bonuses, training, and bigger pay packages require working capital — especially during expansion.
Loan products best suited for this industry
Invoice Factoring
Get paid on freight bills in 24 hours instead of 30–90 days. Most common product in the industry for a reason.
Equipment Financing
Up to 100% financing on tractors, trailers, reefers, and box trucks. Title acts as collateral, so qualifying is straightforward.
Working Capital Advance
Fast bridge for fuel, payroll, and maintenance gaps when factoring isn't enough.
Learn more about Working Capital Advance →SBA 7(a) Loan
Acquire competitors, buy out a partner, or finance a yard / terminal purchase with long-term, lower-cost capital.
Learn more about SBA 7(a) Loan →Business Line of Credit
Revolving capital for ongoing fuel, repairs, and seasonal lane shifts.
Learn more about Business Line of Credit →Qualifications at a glance
- Time in business
- 3+ months for factoring · 1+ year for term debt · 2+ years for SBA
- Minimum monthly revenue
- $10,000+ for factoring · $20,000+ for term loans
- Personal credit score
- 550+ for factoring & equipment · 650+ for SBA
- Documents commonly requested
- Authority docs (MC/DOT), recent invoices, aging report, bank statements, equipment quote
Common use cases
Buying a new tractor
Equipment loan or lease, often with $0 down for established carriers.
Factoring receivables
Recourse or non-recourse factoring against shipper / broker invoices, funded daily.
Acquiring a small carrier
SBA 7(a) financing for the authority, equipment, and goodwill.
Adding lanes or contracts
Working capital to staff up, fuel up, and bridge to first invoices on a new contract.
"Funded in 24 hours flat. I've worked with two other brokers — the difference in speed and service was night and day."
James W., Auto Repair (OH) — $60K Working Capital · funded next business day