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Trucking Funding
Fast & Simple

Get $25K–$500K in working capital for new trucks, fuel, maintenance, and growth. No credit pull. 24-48 hour funding.

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Home›Industries›Trucking Funding
Last Updated: February 2026

Trucking companies know the grind: fuel, insurance, maintenance, and equipment costs all hit before dispatch payments arrive. Banks move too slowly. Vault Capital Group provides merchant cash advances ($25K–$500K) designed for trucking's revenue patterns. Get capital today, repay from load revenue as it hits your account. No credit pull. No liens on your fleet. Funding happens in 24-48 hours, not weeks. Whether you need a new tractor, maintenance funds, fuel advances, insurance coverage, or general working capital to stay competitive, Vault Capital funds trucking operations nationwide with all credit profiles welcome.

How It Works for Trucking

Capital for the road.
Repay from loads.

Step 1: Apply (5 Minutes)

One-page application plus 3 months of business bank statements. No credit pull — won't affect your score. Most owner-operators apply from home or the road.

Step 2: Get Your Offer (Same Day)

Our underwriting team reviews your revenue, deposits, and load history. You get a real offer with exact terms and your total repayment amount.

Step 3: Get Funded (24-48 Hours)

Sign and capital lands in your business account within 24-48 hours. Start buying fuel, taking loads, and growing. Repay from dispatcher payments.

Real Funding Scenarios

How trucking operations
use Vault Capital Group.

New Tractor Purchase

Owner-operator wanted to add second truck ($125K total, $40K down payment + 6 months fuel). Got $85K MCA at 1.25 factor. Bought second truck. Second truck = 2x volume. Fully repaid in 11 months from additional load revenue.

Fuel Advance

Small fleet: 3 trucks. Fuel costs = $12K/month. Cash flow gap between paying fuel and receiving dispatcher payment = $18K. Got $45K MCA. Fuel purchased on credit. Fleet stays rolling without payment delays.

Insurance & Maintenance

Trucking company needed $65K for annual insurance renewal, truck maintenance, and license renewal. Got MCA to cover. Maintenance completed. Insurance paid. No downtime. Fully repaid in 9 months from consistent load revenue.

Load Board Access

Owner-operator wanted access to higher-paying freight boards. Needed better truck + insurance proof. Got $55K MCA for truck upgrade and insurance. Now qualifies for premium load boards. Revenue increased 45% in first 6 months.

Why Truckers Choose Vault

Built for
trucking.

Load-Based Repayment

Repay from dispatcher payments as they hit your account. Busier weeks mean higher repayment. Slower weeks mean lower repayment. Structured around your actual load volume.

Funded in 24-48 Hours

You don't have time to wait for traditional financing. We get capital to you in 24-48 hours so you can get back on the road without delays.

No Liens on Equipment

We don't require liens on your truck, trailer, or equipment. Funding is based on your business revenue, not your assets. You keep full control.

All Credit Welcome

Bad credit from personal challenges? No problem. We approve based on your business revenue and bank deposits, not your credit score.

Flexible for Seasonal Routes

Trucking has seasonal peaks and slower periods. Our underwriting accounts for seasonal volatility. We structure advances around your actual load patterns.

Direct + Network

One application gets matched to the best available terms. We fund directly or through our 75+ partner network. You get the fastest, most competitive offer.

Qualification Requirements

Simple. Transparent.
No surprises.

  • Trucking business in operation for at least 12 months
  • Minimum $8,000–$15,000 in average monthly revenue
  • Business bank account with 3 months of statements
  • Valid business license, DOT number, and ID
  • No specific credit score requirement
  • Active load history (loads per month consistent)
Common Questions

Everything you need
to know.

What factor rate should I expect?
Trucking MCAs typically range from 1.15 to 1.40 depending on your monthly revenue and deposit consistency. Higher volume = better rates. A $100K advance at 1.25 factor means you repay $125K total.
How are repayments taken from my account?
Most trucking MCAs use a percentage of ACH deposits (typically 10–20% of daily deposits from dispatchers). As load payments hit your account, a portion goes to MCA repayment. More loads = higher repayment. Slower week = lower repayment.
Can I refinance an existing MCA with a better rate?
Absolutely. If you got funded elsewhere at a higher rate, we can often refinance to better terms. Contact us with your current offer and we'll see what we can do.
What if I'm an owner-operator with inconsistent income?
That's fine. We look at 12 months of history to understand your pattern. Some months are high-volume, some are lower—that's normal for trucking. We structure advances around your actual average monthly volume.
Can I use this for truck down payments?
Yes. Many owner-operators use MCAs for truck down payments, then repay from the additional load revenue that second truck generates. That's a common and effective use case.
Ready to Expand

Get trucking funding
in 24-48 hours.

One application. Real offer same day. Capital by tomorrow. No credit pull. No liens on equipment.

Start Your Application

Questions? Email us. We're here to help.

info@vaultcapitalgrp.com