What this funding offers
Working capital or a factor-rate advance, generally up to $250,000+ depending on the file, sized to a fleet's freight volume and deposit history rather than a single credit number.
- Funding shape: working capital or a factor-rate advance
- Amount: generally up to $250,000+ depending on the file
- How it's evaluated: general credit is considered, but cash flow and deposits carry real weight
Exact amount and pricing depend on the file — lane mix, shipper concentration, and deposit consistency all factor in. A newer or thinner-file fleet may still qualify through a different tier.
Do you qualify?
This tier is built for fleets already moving freight on a real schedule: 1+ year in business and $25,000+ in monthly revenue, with a deposit history that backs it up.
- Time in business: 1+ year
- Monthly revenue: $25,000 or more
- Credit: general credit considered — cash flow and deposits matter as much as the score
These are general guidelines a strong file usually meets, not a guarantee either way. A fleet reviewed file by file, where a strong deposit history matters as much as the number on a credit report, can still land here even without a top-tier score.
How this compares to Growing Fleet funding
Established Fleet is sized for an operation with a year or more of freight history behind it. A newer or smaller fleet still building that history fits a different shape of funding.
- Established Fleet (this tier): 1+ year running, $25,000+/month revenue — best for a fleet with a proven freight pattern
- Growing Fleet: 1 year in business, $15,000+/month revenue — best for a smaller or newer operation building toward this tier
See the full side-by-side on the funding comparison page.
How to see if your fleet qualifies
One short application lets I-95 Funding match your fleet's file against this tier and its other options, with no obligation to accept any offer.
I-95 Funding reviews your application and connects you with funding partners whose programs fit a fleet at this stage — this tier is one of the stronger options for a fleet that qualifies, but never the only one. You see your real numbers before deciding anything.
What you’ll typically need
- Recent business bank statements
- Basic business and ownership details
- A short description of what the funds are for
Frequently asked questions
Is this funding coming directly from I-95 Funding?
I-95 Funding helps East Coast fleets get funded through its funding partners. Established Fleet funding is placed through one of those partners, not funded directly by I-95 Funding.
Does my credit score matter for this tier?
It's considered, but not the whole picture. Cash flow and deposit history carry real weight alongside general credit for a fleet at this stage.
What if my fleet doesn't have a full year of history yet?
I-95 Funding reviews your file against several tiers. A newer fleet is often a better fit for Growing Fleet funding, and you'll be shown that plainly.
Does the type of freight I haul affect this?
Lane mix and shipper concentration are part of the review, whether you run dry van, reefer, drayage, or last-mile. Fit is checked before anything is quoted.
What areas does I-95 Funding cover?
I-95 Funding focuses on East Coast fleets along the I-95 corridor from Florida to Maine. Apply to see if your operating footprint qualifies.
See your real number
One secure application. No obligation to accept an offer.
Updated September 14, 2026 · I-95 Funding Funding Team