Industry financing

Transportation & Logistics Business Loans

Financing solutions for transportation companies, logistics firms, and freight businesses. Transportation and logistics business loans help companies finance vehicles, equipment, fuel, and working capital. Common uses include trucks and trailers, fleet expansion, fuel and maintenance, warehouse equipment, technology, and working capital. Available loan types: equipment financing (6–30% APR) for vehicles, term loans ($25k–$500k), lines of credit ($25k–$250k), and SBA loans (6–13% APR). Alternative lenders approve within 24–72 hours. Requirements: 6+ months in business, $10k+/month revenue, 600+ credit score.

Common Financing Needs

  • Vehicles & Fleet: Trucks and tractors, trailers, delivery vehicles, fleet expansion
  • Operating Expenses: Fuel and fuel cards, maintenance and repairs, insurance, tolls and permits
  • Warehouse & Equipment: Warehouse equipment, forklifts, loading docks, technology systems
  • Working Capital: Cash flow gaps, payment delays, payroll, unexpected expenses

Best Loan Types for Transportation & Logistics

1. Equipment Financing — Best for trucks, trailers, and vehicle purchases. Rates: 6–30% APR, Terms: 2–7 years, Amounts: $25k–$500k+. Vehicle serves as collateral. Fast approval (24–72 hours).

2. Business Line of Credit — Best for fuel, maintenance, and ongoing operating expenses. Rates: 8–25% APR, Limits: $25k–$250k. Draw as needed; pay interest only on what you use.

3. Term Loans — Best for large purchases, fleet expansion, and one-time needs. Rates: 8–25% APR, Terms: 1–5 years, Amounts: $25k–$500k. Fixed monthly payments.

Industry-Specific Challenges

High Operating Costs: Fuel, maintenance, and insurance are major expenses. Lines of credit help manage cash flow and cover these ongoing costs.

Payment Delays: Freight payments can take 30–60 days. Working capital loans bridge the gap between delivering loads and receiving payment.

Equipment Costs: Trucks and trailers are expensive. Equipment financing spreads cost over time while you use equipment to generate revenue.

Qualification Requirements

  • Time in Business: 6+ months (12+ months preferred)
  • Monthly Revenue: $10,000+ (higher for larger loans)
  • Credit Score: 600+ (higher scores get better rates)
  • Licenses: DOT registration and insurance required

Frequently asked questions

Can I finance trucks and trailers?
Yes, equipment financing is ideal for trucks and trailers. Vehicle serves as collateral, rates are competitive (6–30% APR), and approval is fast (24–72 hours). Terms typically 2–7 years.
What's the best loan for fuel and maintenance?
Lines of credit are ideal for ongoing expenses like fuel and maintenance. Draw as needed and pay interest only on what you use. Fuel cards are also available.
Can logistics companies get financing?
Yes, logistics companies qualify for all loan types. May need to show consistent contracts, routes, or client relationships. Equipment financing and lines of credit are popular choices.

Ready to get funded?

Apply once and get a clear funding offer in 24–72 hours — no hard credit pull to pre-qualify.

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