Time in business
Around six months of operating deposits is a common starting conversation.
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Industry
Miles first. Settlements later.
Fuel, maintenance, and driver pay hit weekly; broker and shipper settlements do not.
The cash cycle
We watch for settlement concentration and stacked advances. Equipment finance belongs on the asset; working capital covers the timing gap.
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.