What this tier offers
Working capital or a factor-rate advance, generally up to $250,000 or more depending on the file. Amount and structure are set fleet by fleet.
- Funding shape: working capital or a factor-rate advance
- Amount: generally up to $250,000+ depending on the file
- Review: reviewed file by file, not off a single number
Two fleets with the same revenue can land in different places here — deposit history, lanes, and how long the business has been running all factor in.
Does your fleet qualify?
A strong file at this tier usually has 1 or more years on the road and $25,000 or more in monthly revenue, with general credit considered alongside cash flow.
- Time in business: 1+ year
- Monthly revenue: $25,000 or more
- Credit: general credit considered — this tier looks at cash flow and deposits as much as a credit score
These are general guidelines, not a hard cutoff. A fleet that doesn't check every box can still apply — TruckStop Capital will say plainly if this tier isn't the fit and show what is.
Why deposit history matters here
This tier is reviewed file by file, and a strong deposit history matters as much as the number on a credit report.
Freight pays on its own schedule, and funders at this tier know it. Consistent deposits from brokers and shippers — even alongside a bumpy credit file — carry real weight when a file is reviewed here.
How to see if you qualify
One short application lets TruckStop Capital match your fleet's file against this tier and its other funding options, with no obligation to accept any offer.
TruckStop Capital reviews your application and matches you with programs that fit your fleet — this tier is one of the stronger options for fleets that qualify, but never the only one. You see your real numbers before you decide anything. If your fleet is newer or smaller, the Growing Fleet tier may be the better starting point.
What you’ll typically need
- Recent business bank statements
- Basic business and ownership details
- A short description of what the funds are for
Frequently asked questions
Is this funding direct from TruckStop Capital?
TruckStop Capital helps fleets get funded.
Does my credit score rule me out?
No single score rules a fleet out at this tier. Cash flow and deposit history are weighed alongside general credit, not in place of an application.
What if my fleet doesn't reach $25,000 a month yet?
TruckStop Capital reviews your file against several tiers. A fleet with less revenue or less time on the road is often a better fit for the Growing Fleet tier.
How is my amount and structure decided?
Amount, whether it's structured as working capital or a factor-rate advance, and pricing are set by the funder based on your file: time in business, revenue, deposits, and lanes.
What states is this available in?
This tier is available to fleets in most states. Apply to see if your fleet qualifies where you operate.
See your real number
One secure application. No obligation to accept an offer.
Updated September 14, 2026 · TruckStop Capital Funding Team