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 and grow the rig count.
See If You Qualify →Soft credit pull · Approval in 2–4 hours · No fees to apply
The real problem
Why businesses in this industry use MCA
Bank financing moves on bank timelines. Your business doesn't.
Broker Payment Lag and Factoring Costs
Most freight brokers pay 30–45 days after delivery. Factoring closes the gap but charges 2–5% per invoice — a meaningful margin hit on already-thin loads. MCA can be cheaper than factoring at higher volumes.
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; MCA funds in 24–48 hours.
Tractor and Trailer Acquisition
A used Class 8 tractor runs $80K–$150K; a new one $180K+. Equipment financing is available but slow, and credit standards have tightened. MCA covers down payments, insurance bonds, or bridges to a closed equipment loan.
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 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
Cover the down payment or bridge to 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.
Ready to move?
See what you qualify for today
3-minute application. Soft credit pull only. No obligation.
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