Trucking & Logistics
Keep the wheels turning between invoices.
Net-30 to net-90 brokers, fuel that has to be bought today, a truck down in the yard. AXIS funds the gap, with decisions the same day and funding in as little as 24 hours.
Typical funding for Trucking & Logistics
- Merchant Cash Advance
$10K to $500K · funded in 24 hours
- Equipment Financing
$15K to $1M · funded in 2 to 5 days
- Business Line of Credit
$10K to $250K · funded in 1 to 3 days
What owners use it for
What Trucking & Logistics owners use funding for.
Trucking runs on net terms that brokers set, not fleets. AXIS funds the gap between a load delivered and a broker check clearing, so fuel, repairs and payroll don't wait on someone else's accounts payable schedule.
- Fuel and tolls while you wait on broker payments
- Repairs, tires and unexpected downtime
- Adding a truck or trailer to take more loads
- Insurance down payments and IFTA/IRP renewals
Which product fits
Funding built for Trucking & Logistics.
Three structures that show up most often for this industry. An advisor helps you pick based on your file.
Illustrative example
How the numbers can work.
A sample scenario, not a quote. Your amount, product and terms depend on your revenue and file.
Example: A three-truck owner-operator fleet bills brokers on 45-day terms, but fuel, tolls and a blown transmission don't wait that long. The owner draws a merchant cash advance against the fleet's card and ACH revenue to cover repairs and keep every truck loaded. Repayment tracks daily settlements, so remittances shrink in slower weeks and clear faster once freight picks back up.
| Monthly revenue | $65,000 |
|---|---|
| Amount funded | $45,000 |
| Product | Merchant Cash Advance |
| Funding time | 24 hours |
Most fleets feel the squeeze mid-week, between fuel-ups and the broker's Friday settlement.
Who qualifies
Qualifying as a Trucking & Logistics business.
- 6 months or more in business
- $10,000+ in average monthly revenue
- Personal credit score of 500+ considered (revenue matters more than the number)
- An active MC or DOT number for the fleet.
Related reading
Read before you apply.
More on how this product works and what to expect before you apply.
Straight answers
Questions trucking & logistics owners ask.
Can owner-operators with one truck qualify?
Yes. Revenue-first underwriting looks at deposits from brokers and freight, so a single-truck operation with consistent revenue can qualify on the same terms as a larger fleet.
Do you require an active MC or DOT number?
Typically, yes, since it confirms the fleet is authorized to haul. Bring it to the application along with 3 to 4 months of bank statements.
Can funding cover a down payment on a new truck?
Equipment financing is built for exactly that: the truck secures the financing, so more of your cash stays available for fuel and operating costs.
How fast can I get funded before a load falls through?
A merchant cash advance can fund in as little as 24 hours once bank statements and an application are in, which is usually fast enough to cover a repair or a missed settlement.
Does a rough credit score disqualify me?
Not on its own. Scores from 500+ are considered, since deposits and freight volume typically carry more weight than the credit report.
Other industries
Funding for other trades that run on cash flow.
Funding built for Trucking & Logistics. Fast.
Two-minute application. Same-day decision. Funding in as little as 24 hours.
Soft credit pull. No obligation. No impact to your score.