FynFund · Seasoned Merchant Funding
Working capital, equipment loans, fuel advances, and MCAs for established owner-operators and fleets. $10K to $2M.
Trucking is cash-flow first. Fuel is due today, DOT inspections are due this week, the invoice from the shipper comes 45 days later. FynFund funds trucking businesses that have been moving freight 5+ years — the kind of operator banks should fund but won't because of the seasonality and the DOT rating dance. We work with lenders who know the industry.
We route trucking deals to the MCA and equipment funders that actively want trucking — not generic lenders who downgrade your rate for industry risk.
Finance a tractor or trailer at 85-100% LTV based on the dealer invoice. Minimal down payment for 5+ year operators with clean trucks.
Same-day or next-day advances specifically for fuel or emergency repairs. Typical deal: $25K-$100K, 3-6 month payback, paid from daily revenue.
Turn outstanding freight bills into immediate cash within 24 hours of load delivery. Advance rates of 90-97% for established operators.
Your advisor knows MC numbers, DOT ratings, load boards, and what lenders want to see on bank statements. We speak your industry.
From A paper with 700+ FICO to D paper at 500. We have funders for every profile that has the revenue to support the deal.
MC number, DOT number, revenue estimate, use of funds. 5 minutes online. Soft credit check only.
We pull factoring/freight billing too if available. Your specialist sends the file to trucking-specific funders.
Same-day offers on most MCA deals. Equipment financing typically 3-7 days. Factoring setup in under 48 hours.
Trucking is uniquely underserved by traditional banks. A 5-year-old owner-operator with $40K/month in gross revenue, a clean DOT rating, and a paid-off tractor can still get a polite 'no' from a community bank because of industry classification. Meanwhile, the same file lands an approval from a trucking-focused MCA funder in 24 hours. The lenders in FynFund's network aren't scared of trucking — they specialize in it.
The right product depends on the use case. Fuel and emergency repair capital? MCA or fuel advance — speed matters, cost is tolerable for 3-6 month payback. A new tractor? Equipment financing at 85-100% of invoice, 4-7 year term, 9-15% APR. Seasonal working capital? A factoring line against your outstanding invoices gives you cash 2 days after delivery instead of 45. Expansion or a buyout of a retiring operator's routes? SBA 7(a) is the cheapest money available if you have 90 days to close.
For 5+ year trucking businesses with clean DOT ratings, we consistently place MCA deals at factor rates of 1.15-1.30 (versus 1.35-1.50 for newer operators), equipment financing at 85-95% LTV without a heavy down payment, and factoring lines at 93-97% advance rates. Those 2-5 point improvements add up to real money across a year of freight.
One specific note for veteran-owned trucking companies: several funders in our network explicitly price military-vet deals at preferred rates, and the SBA Veterans Advantage program waives the guaranty fee on loans up to $350K for veteran-owned businesses. If you served, tell us upfront — we'll route your file accordingly.
Yes. Most of our trucking deals are 1-5 truck operations. Single-truck owner-operators with 5+ years of MC authority and clean bank statements qualify for the full range of products.
Conditional is workable — many funders in our network will still approve. Out-of-service is harder but not impossible for operators with strong revenue. We'll tell you upfront which funders will quote your profile.
Yes. Equipment financing on used tractors is available — typically 80-90% LTV depending on age, mileage, and your credit. Trucks under 8 years and 700K miles get the best rates.
For a 5-year operator with $40K+ monthly revenue and a Satisfactory DOT rating, MCA factor rates typically land 1.18-1.32 — on par with or better than non-trucking small businesses.
Yes. Factoring lines are available for established carriers — typical advance rates of 90-97% on approved invoices, with same-day or next-day funding after load delivery.
Same-day or next-business-day for clean files. Typical deal size for fuel emergencies is $15K-$75K with 3-6 month payback via daily ACH.
Technically yes, but equipment financing is almost always cheaper for a truck purchase. MCAs are best for short-term working capital. We'll recommend equipment financing when the use of funds is a vehicle.
3 months of business bank statements, MC authority confirmation (MCS-150), DOT rating verification, and either factoring statements or freight invoice samples. Equipment deals also require dealer invoice and truck VIN.
Absolutely. Fleet operators typically qualify for term loans, commercial lines of credit, and larger factoring facilities. The lenders in our network go up to $5M for strong fleet files.
Yes. Several funders offer preferred terms for veteran-owned trucking businesses, and the SBA Veterans Advantage program (for SBA 7(a) loans up to $350K) waives the guaranty fee. Tell us you're a veteran when you apply.
Soft credit check. No SSN required upfront. Free to apply. Match with up to 20+ lenders in minutes.
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