Industry Funding
Business Funding for Trucking Companies & Owner-Operators
Fuel, repairs, and broker-payment gaps create cash flow problems even for full fleets. Commera helps trucking businesses bridge the float with invoice factoring on freight bills, equipment financing for tractors and trailers, or fast revenue-based funding — and grow the rig count.
Soft credit pull · First offers within 24 hours · No fees to apply
By Filip Kozina · Co-Founder, Commera Funding
Trucking Qualification Note
Trucking is one of the most heavily regulated industries in the alternative finance market. Our funding partners typically require:
- 2+ years of verifiable operating history (registered authority, MC number, USDOT number active and in good standing)
- $100,000+ monthly revenue verified across 3-4 months of business bank statements
- Cleaner driving / safety record (CSA scores reviewed; multiple violations may disqualify)
- Documented invoicing through brokers, factoring partners, or direct shippers
Owner-operators under 2 years, fleets under $100K monthly revenue, or carriers with significant safety violations have very limited options through our partner network. Apply anyway — we'll be straight with you about what's available before you commit to anything.
The real problem
Why businesses in this industry partner with Commera
Bank financing moves on bank timelines. Your business doesn't.
- 01
Broker Payment Lag and Factoring Costs
Most freight brokers pay 30–45 days after delivery. Invoice factoring closes the gap by advancing against the bill of lading, typically at 2–5% per invoice; at higher volumes, revenue-based funding can be cheaper than factoring. We help you weigh which fits your margins.
- 02
Fuel and Maintenance Are Daily
Diesel fuel is a daily expense — and a single major repair (engine overhaul, transmission, DPF) can run $10K–$25K and park a tractor for weeks. Banks won't move on emergency repairs; a line of credit or revenue-based funding lands in 24–48 hours.
- 03
Tractor and Trailer Acquisition
A used Class 8 tractor runs $80K–$150K; a new one $180K+. Equipment financing is the natural fit for the rig itself, and revenue-based funding covers down payments, insurance bonds, or bridges to a closed equipment loan when credit standards tighten.
- 04
Insurance, Permits, and Compliance
Annual commercial auto / cargo insurance, IFTA, IRP, and ELD compliance costs hit on a fixed calendar regardless of revenue cycle. A bad freight quarter can leave a fleet short on a $30K insurance renewal.
What you can fund
What businesses fund with Commera
Common uses for businesses in your industry.
Fuel & Operating Expenses
Cover fuel, tolls, and per-diem during a tight broker-pay cycle without squeezing the next load.
Major Repairs
Engine, transmission, DPF, or trailer repairs funded in 24–48 hours — keep the rig earning instead of parked.
Tractor or Trailer Down Payment
Equipment financing for the rig, plus a bridge to cover the down payment or a closed equipment loan when expanding the fleet.
Insurance & Permit Renewals
Pay annual commercial auto, cargo, IFTA, IRP, or ELD fees on time without disrupting operating cash.
Driver Recruiting & Sign-On Bonuses
Fund recruiting campaigns and sign-on incentives ahead of the freight your new drivers will haul.
Typical Funding Range
$15K – $400K
How to Qualify
Trucking companies and fleets qualify based on bank deposit volume. We match the structure to the need — invoice factoring on freight receivables, equipment financing for a tractor or trailer, or revenue-based funding for fuel and repairs. Factored receivables count toward revenue. We understand fuel-card draws, broker-payment timing (net-30/45), and seasonal freight rate swings.
Slow broker pay? Invoice factoring may be your best fit.
Owner-operators and small fleets often have better options through receivables factoring — getting paid on hauls within 24-48 hours instead of waiting 30-60 days for broker pay. It's one of several structures we arrange, alongside equipment financing and revenue-based funding. Ask us about it during your application.
Ready to move?
See what you qualify for today
3-minute application. Soft credit pull only. No obligation.
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