Trucking & Transportation Funding — Keep Your Fleet Moving
From owner-operators to mid-size carriers, trucking businesses need capital that moves as fast as they do. Access fleet financing, fuel advances, and working capital designed specifically for transportation companies.
The trucking industry runs on cash flow, and cash flow in trucking runs on timing. Freight brokers and shippers often take 30–60 days to pay, while fuel, insurance, maintenance, and driver wages are due immediately. This structural mismatch is one of the biggest challenges facing carriers and owner-operators of all sizes.
Tesni Capital works with lending partners who specialize in transportation business financing. Whether you're an owner-operator needing a fuel advance, a small carrier looking to add a truck, or a growing fleet seeking working capital to take on more contracts, we'll match you with the best available funding options for your specific situation.
Freight invoice factoring is one of the most powerful tools available to trucking companies — sell your outstanding freight bills to a factoring company and receive cash immediately rather than waiting 30–60 days. Equipment financing lets you add revenue-generating trucks to your fleet without depleting reserves. And working capital loans provide the bridge between jobs when timing doesn't cooperate.
We understand the transportation industry's unique licensing requirements, insurance structures, and revenue patterns. Our lending partners evaluate trucking businesses on freight revenue, authority history, and operational metrics — giving creditworthy carriers access to capital that traditional banks often can't provide. Call (281) 653-6760 to discuss your fleet's specific needs.
Do You Qualify?
All credit profiles considered — options available for scores under 650. While some programs require stronger credit, we also offer private lending options that are revenue-driven, not credit-score driven. Businesses with scores under 650 may still qualify.
Frequently Asked Questions
Can owner-operators apply for trucking funding?
Yes. Owner-operators are among the most common applicants we work with. Whether you operate one truck or a small fleet, we can connect you with lenders who serve independent operators and small carriers.
How does freight invoice factoring work?
Freight factoring lets you sell your outstanding freight invoices to a factoring company at a small discount and receive most of the invoice value immediately — rather than waiting 30–60 days. It's one of the fastest ways for trucking companies to improve cash flow without taking on traditional debt.
Can I finance a used commercial truck?
Yes. Many of our lending partners finance both new and used commercial trucks and trailers. The age, mileage, and condition of the vehicle will factor into terms, but most equipment used commercially is financeable.
What if I have a recent bankruptcy?
Open bankruptcies generally prevent qualification. However, if your bankruptcy has been discharged and your business is performing well, some lending partners may still be able to work with you. Call us to discuss your specific situation.
How fast can I get funded?
For standard trucking working capital, most decisions come in 24–48 hours. Freight factoring can often be set up within 24 hours of completing the process. Equipment financing may take a few additional days for vehicle valuation.
Related Funding Solutions
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