Funding Built for the Transportation Business Model
Transportation businesses face capital challenges that most conventional lenders are not equipped to handle. Fuel costs spike without warning, equipment breaks down on the road, and freight payment cycles create gaps between delivery and cash collection.
Surge Financial advises on programs designed for asset-heavy, high-volume operations including equipment financing, invoice factoring for freight bills, and working capital lines that move at the pace your business requires.
AT A GLANCE
Common Funding Needs
Every business in this industry has unique capital needs. Here are the most common reasons our clients seek funding.
Fleet Expansion and Vehicle Acquisition
Purchase or lease additional trucks, trailers, and vehicles to grow your fleet and take on more freight contracts. Equipment financing programs use the vehicles themselves as collateral, preserving working capital for operations.
Fuel and Operating Cost Coverage
Cover fuel, insurance, permits, and day-to-day operating expenses during the gap between freight delivery and payment collection. Working capital programs provide the short-term liquidity to keep operations running without disrupting cash flow.
Freight Invoice Factoring
Convert outstanding freight bills into immediate cash without waiting 30 to 60 days for broker or shipper payment. Factoring advances 70 to 90 percent of the invoice value within 24 hours, with no minimum credit score required on most programs.
Repair and Maintenance Capital
Handle unexpected breakdowns and scheduled maintenance without disrupting delivery commitments or depleting operating reserves. Fast-approval working capital programs are available specifically for transportation operators who need to move quickly.
Driver Payroll Bridging
Make sure drivers are paid on time even when freight payments are delayed or slow to process. Revenue-based financing and lines of credit both provide flexible access to payroll capital that adjusts to your revenue cycle.
Recommended Funding Solutions
Equipment Financing
Asset-based financing for truck and trailer purchases with the equipment serving as collateral. Loan or lease structures available with terms from 24 to 72 months and no disruption to working capital.
Learn More →Invoice Factoring
Convert freight bills and broker invoices into immediate cash. Advances of 70 to 90 percent of invoice value within 24 hours. No minimum credit score required on most programs. Available for B2B freight receivables.
Learn More →Business Line of Credit
Revolving access to working capital for fuel, operating expenses, and payroll gaps. Draw when you need it and repay as freight payments clear. No requirement to use the full line at once.
Learn More →Revenue Based Financing
Repayment tied to your monthly revenue. Well suited for transportation operators with variable freight volumes and inconsistent monthly cash flow who need flexibility in repayment.
Learn More →General Requirements
Requirements vary by product. Final approval is subject to individual program underwriting criteria.