Who this is generally built for
Fleets that are open and running loads, but carry something a traditional bank checklist would flag on sight — credit history, or a thinner file.
- Personal credit score: approvals exist as low as the 500s; some partners consider files case by case below that
- Time in business: generally at least 6 months of real operating history
- Past credit events: a prior default, judgment, or bankruptcy doesn't automatically rule a fleet out — timing and documentation matter
- Industry: some lanes and freight types face more caution than others; fit is checked before anything is quoted
These are general patterns across the funders TruckStop Capital works with, not a promise for any single file. Some situations still can't be placed, and you'll be told plainly if that's the case.
What to expect
Terms here typically cost more than an Established Fleet or Growing Fleet offer — that trade-off is what makes funding possible where a bank says no.
Amount, term length, and pricing are set file by file. Ask for the full repayment total in writing before you accept any offer, and ask what would need to change to qualify for better terms next time.
How to move forward
One honest application is the only way to see your real options — guessing from a checklist online won't tell you what a real underwriter will say.
TruckStop Capital reviews your fleet's file and tells you plainly what's available, what it costs, and what would help next time. No pressure to accept anything you see.
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.
I was declined elsewhere — is it worth applying again?
Often, yes. Different funders weigh credit, deposits, and lanes differently, so a decline in one place doesn't mean a decline everywhere.
Does a rough freight season count against me?
A slow stretch is checked in context, alongside the rest of your deposit history. It's one factor among several, not an automatic decline.
Will this cost more than an Established Fleet offer?
Usually. Funding that looks past credit history or a thinner file typically costs more than the Established Fleet or Growing Fleet tiers. You'll see the full cost before deciding.
What if I have an open bankruptcy?
Most funders require a bankruptcy to be discharged or dismissed, with documentation, before they'll consider a file. Ask specifically about your situation when you apply.
See your real options
One secure application. No obligation to accept an offer.
Updated September 14, 2026 · TruckStop Capital Funding Team