Trucking & Transportation

Business Funding for Trucking & Transportation Companies

Owner-operators and fleet owners face long broker payment cycles, fuel-cost volatility, and high equipment costs. ORP Group matches trucking companies to a bank or lender for every type of business that understand DOT operations, factoring, and equipment-heavy balance sheets.

Trucking moves over 70% of all U.S. freight by tonnage, anchoring the small-business transportation segment.

Source: U.S. Small Business Administration, 2024

Cash flow gaps from delayed payments are the #1 reason small businesses seek financing.

Source: Federal Reserve Small Business Credit Survey, 2024

Common Funding Challenges for Trucking & Transportation

  • Broker and shipper payment cycles of 30–60 days strain weekly fuel and payroll budgets.
  • Truck and trailer purchases require large upfront capital.
  • Insurance, permits, and DOT compliance carry recurring fixed costs.
  • Fleet expansion is capital-intensive and difficult to finance through traditional banks.

Best Funding Products for Trucking & Transportation

Our advisors most commonly match trucking & transportation clients with these products.

Invoice Factoring

Get paid within 24–48 hours of dropping a load instead of waiting 30–60 days for the broker to pay.

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Revenue Based Funding

Get funding based on freight revenue without using trucks, trailers, or reefers as collateral.

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Business Line of Credit

Cover fuel, repairs, and payroll between broker payments without selling your receivables.

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Term Loans

Fund fleet expansion, yard purchase, or major one-time investments with predictable monthly payments.

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How Much Can a Trucking & Transportation Business Qualify For?

Funding range
$10,000 – $2,000,000
Typical qualifying profile
$20,000+ in monthly gross revenue and 6+ months as an authority preferred

Frequently Asked Questions

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