Do you approve trucking companies with bad personal credit?

Yes. We work with credit scores as low as 500. While traditional banks and SBA lenders often decline transportation businesses, our revenue-based financing evaluates your gross monthly revenue and freight receivables rather than just your personal FICO score.

What are the minimum qualifications for trucking business loans?

You need at least 6 months in business (1+ years preferred), a minimum of $10,000 to $20,000 in gross monthly deposits, a 500+ credit score, and 3 to 4 months of business bank statements. No tax returns or collateral are required.

How fast can a trucking company get funded?

Initial pre-qualification takes about 2 minutes online with no hard credit pull. Once your last 3-4 months of bank statements are submitted, approvals arrive in 1 to 4 hours, and funds are wired to your account in 24 to 48 hours.

What can trucking working capital be used for?

You can use funds for any business expense: diesel fuel between broker payouts, engine overhauls and emergency repairs, insurance down payments, fleet expansion, payroll for drivers, or IRP registration fees.

Transportation & Fleet Funding

Working Capital for
Trucking & Transportation

Most traditional banks and online lenders reject freight carriers. At Arkadian Capital, transportation is one of our primary funded industries. Get $10,000 to $1,000,000+ funded in 24–48 hours based on your deposits — even with poor credit.

See Funding Options (855) 786-1190

Trucking Approval Criteria

89% Approval Rate

Credit Requirement:500+ FICO Accepted

Past tax liens or medical debt considered

Monthly Revenue:$10K/mo min ($20K+ pref)

Verified by 3–4 months of business bank statements

Time in Business:6+ Months Required

1+ years operating history preferred

Funding Speed:24 to 48 Hours

Direct wire straight to your operating account

Documentation:Zero Tax Returns Needed

Only bank statements & driver license

Check Pre-Qualification (Soft Pull) →

Zero impact to your personal credit score

Built for Fleet Operators

How Trucking Companies Use Our Capital

Freight brokers typically take 30, 60, or 90 days to settle invoices. Revenue-based capital keeps your trucks rolling without waiting for slow broker payouts.

Fuel & Fleet Card Surges

Cover high diesel prices and bridge the gap while waiting for broker settlement checks.

Emergency Repairs & Overhauls

Pay for blown transmissions, turbo replacements, or trailer reefer units immediately without taking trucks off the road.

Down Payments on New Rigs

Add dry vans, flatbeds, or power-only daycabs to take on lucrative dedicated lane contracts.

Insurance & IRP Renewals

Finance high annual commercial liability insurance premiums and registration fees without draining reserves.

Industry Reality

Why Traditional Lenders Say No (And We Say Yes)

❌ Traditional Banks & FinTechs

• Classify trucking and logistics as high-risk restricted industries.
• Require 680+ personal FICO and 2+ years of pristine tax returns.
• Decline applicants who experienced negative days during freight recessions.
• Underwriting takes 4 to 8 weeks with mountains of physical paperwork.

✅ The Arkadian Transportation Advantage

• Transportation is our priority vertical — we understand load cycles and seasonality.
• 500+ credit score accepted; we evaluate actual gross bank deposits.
• Flexible factor rate repayment terms up to 24 months with early payoff discounts.
• Funds wired directly into your account in 24 to 48 hours.

See Transportation Funding Options (2 Min)

Trucking Funding FAQ

Can I qualify if I have an open dispatch contract or wait on broker factoring?

Yes. Having open broker factoring or load board receivables does not disqualify you. We can fund subordinate working capital positions to give you liquidity for fuel and repairs.

What is the factor rate and repayment structure?

Because transportation funding is structured as revenue-based financing, costs are calculated via a simple factor rate rather than compounding interest. Repayments are manageable daily or weekly ACH debits tied to your revenue.

Can owner-operators with only 1 or 2 trucks qualify?

Yes, as long as your operating business bank account shows at least $10,000 in monthly gross revenue and you have at least 6 months of registered operating history.

Keep Your Trucks Moving

Get prequalified in about 2 minutes. No hard credit pull. Wire funds in 24–48 hours.

See Trucking Funding Options

Working Capital for Trucking & Transportation