Step 1: Apply online
Start with one short application covering your business, your trucks and what the money is for, such as a repair quote, an insurance renewal or payroll during a slow-pay stretch. Every fleet uses the same application, and there is no obligation to accept any offer that follows.
Be specific about the cost. A request for a transmission quote on one tractor, or an insurance down payment due on a known date, is easier to match than a general request. Start your application.
Step 2: Share statements and trucking details
Funders review recent business bank statements first, along with your USDOT or MC number, a driver's license and a voided business check. For repairs, include the shop quote; for equipment, the invoice or VIN. Complete statements for every account that receives freight revenue prevent the most common delays.
Requirements vary by product and funder; many look at time in business, monthly revenue and credit. See how trucking companies qualify for funding for what funders weigh.
| Compare | Why it matters for a trucking business |
|---|---|
| Payment amount | Must fit inside a slow week's revenue after fuel and payroll |
| Payment frequency | Weekly often fits broker payment cycles better than daily |
| Total payback | The real cost in dollars, beyond the payment |
| Term | Should match how long the repair or cost keeps earning |
| Fees and early repayment | Changes the true cost if you repay sooner |
Step 3: Review your options
We match your file to products that fit your trucks and deposits, and you review what comes back. Compare each option by the payment, how often it is collected, the total cost in dollars and the term. Choose the smallest amount that solves the actual problem, not the largest one offered.
If you already carry funding payments that squeeze fuel and payroll, say so. The conversation may start with lowering your payment or stretching the term rather than adding a new one.
Step 4: Sign and get funded
Once you choose an option, read the agreement, ask about anything unclear and sign. Funds are then sent to your business account, or in some cases to a vendor such as a repair shop. Timing after signing depends on the funder and your bank.
Before signing, confirm the first payment date and make sure it does not land in the same week as payroll or a large fuel bill.
After you are funded
Repay on schedule and keep deposits flowing through the same business account. Carriers that repay as agreed are often considered for additional funding later, though nothing is automatic. If a payment ever starts squeezing fuel and payroll, reach out early to ask about lowering your payment or stretching the term.
Explore our funding solutions or the industries we work with.
What you’ll typically need
- Recent business bank statements for every account receiving freight revenue
- Driver's license for each owner
- USDOT or MC number, or carrier details if leased on
- A voided business check
- The repair quote, renewal notice, invoice or bill you are covering
Frequently asked questions
How long does the whole process take?
It depends mostly on how complete your file is and which product fits. Some approvals come within a day or two, depending on documents. Equipment financing and term loans usually take longer than working capital because more is reviewed.
Can I compare more than one offer?
Yes, when more than one funder's product fits your file. Compare them on payment, frequency, total cost and term, not just on which arrives first.
What slows a file down?
Missing or partial bank statements, a business name that does not match the bank account, unclear authority details and unanswered follow-up questions are the most common causes. Sending everything at the start avoids most of them.
Can I apply again later for more?
Yes. Carriers that repay as agreed are often considered for additional funding later. Any new offer depends on your deposits, existing payments and history at that time, so it is never automatic.
Start with one application
Tell us about your trucks and the cost you are covering, and we will take it from there.
Updated September 14, 2026 · TruckStop Capital Funding Team