Get Funded

Find Your Fit

Your Fleet Doesn't Need Years on the Road to Get Funded

Not every fleet fits the Established Fleet box yet, and that's fine. This tier is built for a smaller or newer East Coast operation: one truck or a small handful, a year of running behind it, and revenue that's building steadily. I-95 Funding matches your file against funding partners built for exactly this stage.

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Who this is generally built for

A fleet with a year of real freight history and steady deposits, but not yet the volume or track record the top tier is built for.

  • Time in business: 1 year
  • Personal credit score: around 580+
  • Monthly revenue: $15,000 or more

These are general guidelines, not a hard cutoff. A consistent deposit pattern from freight or brokerage payments can carry real weight even with a thinner credit file.

What kind of funding this usually looks like

Funding here is sized to a smaller or newer operation, with room built in to grow into Established Fleet terms as revenue and time on the road build.

  • Amounts sized to a smaller or newer fleet, not the top-tier ceiling
  • Structured to fit an operation still building freight volume
  • Pricing reflects the shorter track record and improves as the fleet builds history

The exact number only shows up after you apply — I-95 Funding will never guess at a rate before reviewing your file.

How this grows with your fleet

A first approval here is often the fastest way to build the deposit and payment history that unlocks Established Fleet terms later.

Consistent, on-time repayment is one of the clearest paths toward Established Fleet funding down the road. Every funded file adds to the history the next offer is based on.

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. Growing Fleet funding is placed through partners built for newer or smaller operations, not funded directly by I-95 Funding.

What if my fleet is less than a year old?

I-95 Funding reviews every application against its full range of tiers. Even a very new fleet is worth applying — you'll be told plainly if it's not the right time yet.

Will my pricing be different from an Established Fleet offer?

Usually, yes — pricing reflects the shorter track record. It typically improves once you've built payment history at this tier.

Does the type of trucks I run matter?

Box trucks, cargo vans, and drayage operations are all reviewed the same way — on time in business, revenue, and deposit consistency.

See your real options

One secure application. No obligation to accept an offer.

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Updated September 14, 2026 · I-95 Funding Funding Team