INDUSTRY · TRANSPORTATION
Trucking &
owner-operators.
In trucking, the money goes out before it comes in — fuel and repairs today, settlement in thirty days. The right funding bridges that gap so a breakdown or a slow-paying broker doesn't park your truck. Here's how owner-operators get capital fast.
The short version
- Trucking's core problem is timing: costs now, payment later. Funding bridges it.
- Common uses: fuel, repairs, payroll, insurance down payments, and the next truck.
- Revenue-based options weigh your settlements and deposits over your credit score.
- Funding in 24–48 hours matters when a truck is down and not earning.
The owner-operator's real problem: timing
You fuel up, you run the load, you pay for the repair on the side of I-80 — and then you wait thirty, forty-five, sometimes sixty days for the broker or factor to settle. The work is profitable. The timing is brutal. That mismatch between money out and money in is the single biggest reason healthy trucking businesses run short, and it's exactly what working capital is built to fix.
The load was profitable. The thirty-day wait is what hurts.
What truckers fund
- Fuel when you're between settlements and a load is ready to run.
- Repairs and downtime — a blown turbo or transmission that has to be fixed now.
- Payroll for drivers if you're running a small fleet.
- Insurance and registration down payments that hit in lump sums.
- The next truck or trailer to take on more lanes.
Which product fits which job
| Need | Best-fit product |
|---|---|
| Bridging the gap to settlement | Line of credit or working capital |
| Urgent repair / down truck | Advance or short-term loan for speed |
| Buying another truck or trailer | Term loan / equipment financing |
| Lower long-term cost | SBA loan (if the timeline allows) |
Truck down and not earning?
Tell us what happened and your recent settlements. We can often get a repair-funding option in front of you the same day so you're back on the road.
Funding vs. factoring — a quick word
Factoring sells your invoices for faster payment and is a fine tool for steady receivables. But it isn't your only option, and it isn't always the cheapest for a one-time hit like a major repair or an insurance down payment. A short-term working capital option can be simpler when the need is a lump sum, not an ongoing receivables program. We'll help you compare honestly.
What you'll need
A short application, three months of business bank statements, and your settlement history. Steady deposits matter more than a perfect score, so credit in the 500s isn't a dealbreaker for revenue-based options.
How Titan helps owner-operators
We know transportation cash flow — the settlement lag, the seasonality, the way one repair can cascade. We shop your file to multiple funders, size the payment to your real run schedule, and tell you when factoring or waiting beats taking on more cost.
Questions owners ask
How do owner-operators finance their business?
Through a mix of working capital, lines of credit, equipment financing for trucks, and advances against revenue. Revenue-based options underwrite your settlements and deposits, which is why they fund fast.
Can I get a trucking loan with bad credit?
Yes. Many trucking-friendly funders weigh your monthly revenue and deposit history over your credit score, so owner-operators with credit in the 500s are funded regularly.
What credit score do you need for a semi truck loan?
Dedicated truck-financing lenders vary widely; some work with scores in the 500s, especially with a down payment. For working capital against revenue, the score matters even less than steady deposits.
How much revenue do I need to qualify?
There is no fixed number, but consistent monthly settlements are what lenders look for. Steady deposits of even $15,000 to $20,000 a month can open revenue-based options.
How fast can I get trucking funding?
Often 24 to 48 hours after approval, because underwriting leans on recent bank statements and settlement history rather than a long document package.
See what your trucking business qualifies for
One short application, a soft credit check, and a look at your settlements. Options across lines, loans, and advances — no obligation.