Match the funding to the fleet's need
Start with how long the money keeps working. Gaps that close when customers pay belong in short-term funding. Equipment and projects that support the fleet for years belong in longer-term funding. Matching term to use keeps payments manageable when settlements swing with weather, ports and customer terms.
- Waiting on shipper or broker pay: working capital
- Gaps that repeat but vary: line of credit
- Telematics, liftgates, chassis, terminal gear: equipment financing
- A planned fleet project: term loan
- Steady deposits, need to move: revenue-based financing
- Large project with time to wait: SBA loans
What funders look at for trucking fleets
Requirements vary by product and funder; many look at time in business, monthly revenue and credit, plus existing payments and your customer mix. Equipment requests add a vendor quote, and larger loans may add tax returns. Clean, complete bank statements help nearly every fleet application move faster.
Some approvals come within a day or two, depending on documents. Read how it works or apply. Freight factoring is an alternative some owners compare.
| Option | Best for | Repayment |
|---|---|---|
| Working capital | One-time freight-pay or disruption gaps | Fixed debits over months |
| Line of credit | Recurring, variable gaps | Repay what you draw |
| Equipment financing | Equipment lanes and customers require | Fixed payments over useful life |
| Term loan | Planned fleet projects | Fixed installments |
| Revenue-based financing | Steady, diversified freight deposits | From future revenue |
| SBA loan | Large projects that can wait | Long fixed term |
Frequently asked questions
Which option is fastest for a fleet?
Working capital and revenue-based financing are often quickest because they rely mainly on bank statements. Some approvals come within a day or two, depending on documents. Term loans take longer, and SBA loans are usually slowest.
Can a fleet combine more than one product?
Yes. A fleet might use equipment financing for tracking hardware and a line of credit for customer-pay gaps. Funders check whether deposits support every payment together, so disclose all existing funding.
Does I-95 Funding work with fleets outside the East Coast?
Yes. We help interstate fleets nationwide get funded through our funding partners. Our perspective comes from the corridor, but the products and application work the same wherever your trucks run.
Find the funding that keeps your trucks rolling
Apply once and compare options from our funding partners side by side.
Updated September 14, 2026 · I-95 Funding Team