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Working Capital for Trucking Companies

Dated October 16, 2026

Working capital for trucking companies covers the gap between the week a load moves and the week the broker pays. Fuel, tolls, repairs and driver pay are due now, while freight payments often land 30 to 45 days later. Terms vary by provider, and approval is not a promise.

Where the cash gap comes from

• Broker and shipper payment terms that run 30 to 45 days
• Fuel and tolls paid at the pump, before the load pays
• Repairs and tires that cannot wait for the next settlement
• Insurance premiums, permits and registrations
• Weekly driver pay
• Detention and wait time that is billed late or disputed

Options trucking companies look at

• Revenue-based working capital. Sized on your monthly business deposits rather than collateral. On Fundseta this path generally fits carriers with $35,000 or more in monthly deposits and credit of 550 or higher, in the U.S. or Canada.
• Freight factoring. You sell unpaid freight invoices to a factoring company for cash now, and it collects from the broker.
• Fuel cards. Discounts and short payment terms at the pump.
• Business line of credit. Draw what you need and repay as loads pay.
• Equipment financing. For trucks and trailers; the equipment secures the financing.

Owner-operators and new authorities

A U.S. owner-operator with strong personal credit (generally 700 or higher) may fit credit-based funding, which does not require business revenue history. That path is U.S. only. Canadian carriers use the revenue-based path.

Before you apply

• Know your average monthly deposits. Providers usually review 3 months of business bank statements (4 in New York and California, 6 in Canada).
• Match repayment to how your loads pay, not to the day the money arrives.
• Compare the total cost, not only the amount.
• Read the terms before you sign.

Where revenue-based funding fits

Revenue-based working capital can turn the next freight cycle into this week's fuel, repairs and payroll so trucks stay on the road. Fundseta does not lend or approve. A provider decides amounts, terms, and timing.

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