I factor my invoices. Can I still get funded?

Yes, but it narrows the field — some funders won't sit behind a factor, and your factoring agreement may restrict additional debt. Send us the agreement and we'll tell you straight.

My authority is four months old.

That's the minimum for several funders and a decline for others. We know which is which, and we won't waste your time on the wrong ones.

Can I finance a truck from a private seller?

Usually, with a clean title and an inspection. Add a few days.

What about a fuel card instead?

Sometimes that's the right answer and it isn't financing. If it fits better, we'll say so.

Industry

Trucking & Logistics

Fuel goes out today, the broker pays in 30, and a blown turbo doesn't care about either. Most carriers are already factoring, which changes what a funder sees in the deposits and what they'll advance against. We underwrite around that instead of pretending it isn't there.

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What we fund here

Tractor or trailer purchase: $40K – $250K
Major repair on a revenue truck: $10K – $75K
Fuel and driver payroll between settlements: $15K – $150K
Adding a truck against a dedicated lane: $50K – $300K
Insurance premium down payment: $10K – $60K

Ranges are typical, not guaranteed. Your terms depend on your business and the funder.

What usually fits

Equipment Financing

Titled iron is strong collateral, so rates come down and terms stretch.

$10,000 – $2,000,000

Merchant Cash Advance

Fastest option when a truck is down and every day costs a load.

$10,000 – $500,000

Working Capital

For fuel and payroll gaps that resolve inside a quarter.

$10,000 – $500,000

What underwriters look at

Whether you're factoring, and if so, what's left in the deposit account after the factor takes its cut.
Deposit consistency week to week — a carrier with steady settlements underwrites better than one with spikes.
Authority age and safety score. A fresh MC number is a real hurdle for some funders and not others.
Owner-operator versus fleet. Single-truck files are a different credit box entirely.

Questions

I factor my invoices. Can I still get funded?: Yes, but it narrows the field — some funders won't sit behind a factor, and your factoring agreement may restrict additional debt. Send us the agreement and we'll tell you straight.
My authority is four months old.: That's the minimum for several funders and a decline for others. We know which is which, and we won't waste your time on the wrong ones.
Can I finance a truck from a private seller?: Usually, with a clean title and an inspection. Add a few days.
What about a fuel card instead?: Sometimes that's the right answer and it isn't financing. If it fits better, we'll say so.

Let's see what your numbers support.

Three documents to start: the last four months of business bank statements, a driver's license, and a voided check. That's the whole file to get options back.

Apply for funding All industries

FundMainStreet.com is a financing arranger, not a lender or a bank. We connect business owners with third-party funding partners and are compensated by those partners when a transaction closes; we disclose that compensation to you before you sign. Approval, terms, and funding are determined solely by the funding partner. Merchant cash advances are purchases of future receivables, not loans. All figures shown on this site are illustrative and are not an offer or commitment to fund.