Trucking & logistics
Carriers pay for fuel, maintenance, and drivers immediately, then wait 30 to 60 days for shippers and brokers to pay the freight invoice.
How the money actually moves.
Trucking runs on a brutal timing mismatch. Fuel, repairs, insurance, and driver pay come due continuously, while freight invoices settle in weeks. That is why factoring, selling invoices for immediate cash, is common in the industry, and why volatile fuel prices can swing a profitable lane into a loss.
The heavy asset base, the trucks themselves, is both the biggest cost and the best collateral, which shapes what financing fits.
Trucking is a favorite MCA target because revenue looks steady on paper. But a fixed daily pull against income that only lands when invoices settle is a mismatch, and the effective cost is far above equipment financing or a line secured by the same trucks.
Fuel-price swings, slow freight payment, truck purchases and repairs, and MCA stacking.
The products built for this cash-flow shape.
Ranked best-first for how this industry earns and spends. Each links to the full breakdown.
Term loans & lines of credit
Equipment financing buys or refinances trucks and trailers using the asset as collateral, and a line of credit covers fuel and payroll between invoices.
SBA loans
For fleet expansion or a terminal purchase, SBA terms beat short-term money and match the long life of the assets.
MCA relief & consolidation
Owner-operators are pitched daily-debit advances constantly; if the stack is eating your settlements, refinancing is usually the way out.
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