Trucking & Transportation Business Loans
Your load delivered. Your invoice unpaid for 45 days.
Get $5,000–$10,000,000 to cover fuel costs, driver payroll, truck repairs, and fleet expansion, funded in as little as 24 hours.
Simple, fast, and clear
How Trucking & Transportation Business Financing Works
Trucking is cash flow-constrained not because carriers aren’t profitable, but because of the structural gap between when the work is done and when payment arrives. You deliver the load, submit the invoice, and then wait: 30 days, 45 days, sometimes longer if a broker is slow to process. Meanwhile your fuel card is due, your drivers expect their paycheck, and a truck that’s been running hard needs maintenance whether or not your last invoice has cleared. In practice: it’s the first week of March, you ran heavy loads all February with good miles and strong rates, but February’s invoices are still sitting with the broker. Your fuel costs last month were $18,000. Payroll is Friday. One of your trucks threw a check engine light and needs the shop before the next dispatch. The revenue is real. It just isn’t in your account yet. SBG Funding provides $5,000 to $10,000,000, with same-day decisions.
SBG Funding structures financing around how trucking businesses actually operate. A business line of credit revolves: draw to cover fuel and driver pay between settlements, repay when invoices clear, and draw again on the next load cycle. A business term loan is a lump sum for larger investments, such as a terminal build-out, expanding your operating authority, or a major repair that can’t wait. Equipment financing acquires trucks and trailers without draining the working capital that keeps current loads moving.
A bank underwrites against two years of filed financials and a 680 credit score, which is why a carrier with a month of delivered loads on the books can still be declined. Banks are not built to underwrite against revenue that arrives unevenly, or months after the work is done, which means the businesses under the most cash flow pressure are the ones a bank is slowest to serve. SBG Funding’s unsecured products require no collateral and we never perform a hard credit pull.
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Traditional Bank
Typical Online Lender
Won't affect your credit score.
Trucking Financing for Every Situation
The right financing depends on what your operation needs right now.
Covering Fuel and Operating Costs Between Payments
Fuel is the single largest operating expense for most carriers, and it can’t wait for your broker’s payment cycle. A business line of credit gives your operation revolving access to working capital so you can keep trucks fueled, drivers paid, and loads moving without interruption. Draw what you need, repay it when settlements clear, and draw again the next cycle.
Purchasing or Financing a Truck or Trailer
Adding a truck or trailer is the most direct path to growing revenue, but it requires capital that most owner-operators and small fleets don’t have sitting in the bank. Equipment financing and business term loans let you acquire the equipment you need without disrupting operating cash flow, with repayment structured around your revenue cycle.
Covering Repairs and Unexpected Downtime
A truck in the shop is a truck not generating revenue. Engine repairs, transmission rebuilds, and DOT compliance work are expensive and non-negotiable, and they rarely happen at a convenient time. Working capital or business term loan gets you the funds to cover the repair, get the truck back on the road, and not miss a load.
What Trucking & Transportation Businesses Use Loans For
Trucking financing is flexible. Here are the most common ways carriers and fleet operators put it to work.
All you need to Qualify
- No collateral
- No hard credit pull
- No upfront fees.
SBG Funding evaluates more than 50 factors when making lending decisions, including revenue history, deposit consistency, and time in business. Trucking and transportation businesses with strong cash flow may qualify even with an imperfect credit score.
Applying will not impact your credit score.
$150K+
annual revenue
500+
min. FICO score
6+
months in business
4
bank statements
Applying will not impact your credit score.
“Working with SBG Funding and Renata Lombera was a game-changer for Legacy Trucking Solutions. Renata went above and beyond to ensure we had the resources needed to fuel our expansion.”
$3B+
Funded since 2017
via Trustpilot
Excellent service! Will was with me throughout the entire process, and all the information provided was very clear and easy to understand. In less than a couple of hours, my process was approved! I’m very happy with the service and definitely recommend it.
4.9
Trustpilot rating
5×
Inc. 5000 honoree
via Better Business Bureau
I really like the outcome of his offer and the assurance he will be there for me in case I have questions or problems.
85%
Approval rate
via Better Business Bureau
Great to work with and he navigated me to the products I needed quickly. Approved and at peace with this line of credit for my trucking company.
A
BBB rating
via Better Business Bureau
Extremely knowledgeable of the entire process and walked me through every step of the way! I highly recommend SBG Funding.
4.9
Google rating
via Better Business Bureau
He listened to our needs and came through for us. Very informative, thoughtful and understanding. We are very appreciative!
Just 3 Steps to Get Funded
Apply Online
Complete our quick online application in about 5 minutes. Basic information about your business and financing needs, no lengthy paperwork to get started.
Get Approved
Our team reviews your application and presents financing options matched to your business profile. We look at revenue, deposit history, and time in business, not just your credit score.
Receive your funds
Once approved and documents are signed, funds can be in your business bank account in as little as 24 hours.
Frequently Asked Questions
SBG Funding requires a minimum FICO score of 500. Credit score is one factor among many. Strong revenue, consistent bank deposits, and solid time in business can all support your application. Many carriers and owner-operators with scores between 500 and 620 have qualified based on strong load volume and deposit history.
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After approval and document submission, funds can be available in as little as 24 hours. The online application takes about 5 minutes, and most applicants receive a decision the same business day.
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No. SBG Funding’s trucking business loans are unsecured. You are not required to pledge your trucks, trailers, or other assets. Equipment financing is an exception: the equipment itself serves as collateral, which is standard across the industry.
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SBG Funding works with a wide range of carriers and transportation businesses, including owner-operators, small to mid-size fleets, flatbed and dry van carriers, refrigerated freight, hot shot trucking, box truck operators, freight brokers, and logistics companies. As long as your business meets the basic requirements of 6+ months in operation, $150K+ annual revenue and 500+ FICO, your specific niche within trucking does not affect eligibility.
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Yes. Equipment financing and business term loans are both well-suited for purchasing semi trucks and trailers. Equipment financing often supports larger amounts and longer repayment terms, up to 5 years, for major vehicle purchases. The truck or trailer typically serves as collateral for the financing, which is standard in equipment lending.
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Yes. This is one of the most common uses of trucking business financing. A business line of credit is the best fit. It gives you revolving access to capital so you can cover fuel expenses between broker settlements, repay it when payments clear, and draw again as needed. You only pay interest on what you use.
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Yes. Invoice financing lets you unlock the value of outstanding freight invoices immediately rather than waiting 30–45 days for broker or shipper payment. This is especially useful for owner-operators and small fleets that can’t afford to carry extended payment terms across multiple loads simultaneously.
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Yes. SBG Funding evaluates your overall revenue history and deposit patterns, not just your current month’s cash position. Trucking businesses with load volume that fluctuates by season, lane availability, or contract cycles are a common profile. We look at annual revenue consistency and total deposit volume, not whether this particular month was slow.
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Yes. Engine overhauls, transmission rebuilds, and significant repairs are among the most common uses of trucking business financing. Working capital or business term loan can be funded in as little as 24 hours, fast enough to cover an emergency repair and get the truck back on the road before you miss a load.
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Ready to Keep Your Fleet Moving?
Whether you need to cover fuel and driver pay between broker settlements, finance a truck purchase, or handle an unexpected repair, SBG Funding has trucking financing options built for how carriers actually operate. Apply online in minutes. No collateral, no hard credit pull, no obligation.