Keep Your Fleet Rolling With Fast Trucking Business Funding
Fuel costs hit before freight settles. Trucks break down when you can't afford downtime. ABC Funding gives owner-operators and fleet owners $5,000–$500,000 in working capital — with approval in minutes and funding in as little as 24 hours.
Why Trucking Companies Run Out of Cash — and How to Fix It
Freight brokers pay in 30–60 days but fuel, insurance, and driver wages are due now. That gap is the reason so many profitable trucking operations still struggle to make payroll or take on the next load. You're not losing money — you're just waiting for it. ABC Funding bridges that gap so you don't have to choose between paying your team and chasing your next contract.
Breakdowns don't schedule themselves. A single blown engine can idle a truck for days and cost $15,000 in repairs and lost loads. ABC Funding bridges the gap between freight settlement and operating costs so you keep wheels on the road — not equipment sitting idle in a shop waiting on bank paperwork.
6 Ways Trucking Companies Use ABC Funding
From emergency repairs to fleet expansion — here's where working capital makes the biggest difference.
Truck Purchases & Down Payments
Add a Class 8 or Class 6 to your fleet, or buy out a lease before it costs more to extend. Stop renting capacity you could own.
Repair & Maintenance
Engine overhauls, DOT compliance work, tires, and breakdowns don't wait for your next settlement. Get the truck fixed and back on the road — fast.
Fuel & Operating Costs
Cover fuel cards and road expenses between loads when freight settlements are 45 days out. Keep moving without draining your personal account.
Driver Payroll & Hiring
Bring on qualified CDL drivers to take capacity you're currently turning down. Don't lose loads because you're short-staffed.
Insurance Premiums
Meet broker requirements and keep cargo and liability coverage current without draining your reserves. Stay compliant and keep lanes open.
Fleet Expansion
Add a second or third truck to accept more lanes, more loads, and grow gross revenue. Scale your operation before the opportunity passes.
Funding Options for Trucking & Transportation Companies
Match the right product to your timing, use case, and cash flow cycle.
Working Capital Loans
Cover fuel, driver pay, and operating costs between freight settlements.
$5,000–$500,000
Learn moreShort-Term Loans
A lump-sum advance for a truck purchase or major repair, paid back on a clear schedule.
Up to $500,000
Learn moreEquipment Financing
Finance trucks, trailers, and fleet vehicles — keep your cash in the bank, not tied up in metal.
Up to $250,000
Learn moreLine of Credit
Draw fuel money or repair funds when you need them, pay back as loads settle.
Up to $250,000
Learn moreDo You Qualify?
Most trucking and transportation businesses get approved when they meet these benchmarks:
- 6+ months in business
- $10,000+ in average monthly revenue
- Active business bank account
- U.S.-based operation
- No open bankruptcies
- Owner-operators, small fleets, and freight brokers all qualify
We look at your freight revenue and bank activity — not just your credit score.
Ready to apply? It takes 5 minutes.
No cost. No credit impact. No commitment. Just a fast answer on how much your trucking business qualifies for.
What trucking owners say about ABC Funding
"I had a truck sitting in the shop for two weeks with a blown transmission and a load commitment I couldn't cover. I applied to ABC Funding at 9am and had $28,000 approved by noon. The truck was back on the road 48 hours later and I didn't lose the contract. That one approval probably saved my whole operation."
Jerome W.
Owner-Operator, 3-Truck Fleet — Tennessee
How much could your trucking business qualify for?
Slide to your amount and see an instant estimate — no signup, no credit check.
Frequently asked questions
Can I get funding as an owner-operator with just one or two trucks?
Yes. We fund single-truck owner-operators and small fleets every day. As long as you've been operating at least 6 months and have consistent monthly revenue, you're a strong candidate — fleet size doesn't disqualify you.
Will a slow freight month hurt my chances of approval?
We look at your 3–6 month average, not a single bad month. Seasonal dips are normal in trucking. As long as your overall revenue pattern is solid, one slow month won't kill your approval.
Can I use the funding for a truck repair while waiting on a settlement?
Absolutely. That's one of the most common uses for trucking working capital. Getting your truck back on the road fast is exactly what this type of funding is for.
How long does the application take?
About 5 minutes online. You'll get a decision within minutes and, if approved, funds can be in your business account in as little as 24 hours.
Do I need to pledge my trucks as collateral?
For working capital and short-term loans, no collateral is typically required. Equipment financing is secured by the vehicle being financed — that's standard. Most trucking operators don't need to pledge personal assets.
Your next load is waiting. Don't let cash flow ground your fleet.
Apply in 60 seconds. No cost, no credit impact.