Who this is generally built for
A fleet that's open and running loads, but carries something a traditional bank checklist would flag on sight — credit history, lane type, or a thinner file.
- Personal credit score: approvals exist as low as the 500s; some partners consider files case by case below that
- Time in business: generally at least 6 months of real operating history
- Past credit events: a prior default, judgment, or bankruptcy doesn't automatically rule a fleet out — timing and documentation matter
- Lane and freight type: some lanes face more caution than others; fit is checked before anything is quoted
These are general patterns across the funding partners I-95 Funding works with, not a promise for any single file. Some situations still can't be placed, and you'll be told plainly if that's the case.
What to expect
Terms here typically cost more than an Established Fleet offer — that trade-off is what makes funding possible where a bank says no.
Amount, term, and pricing are set file by file. Ask for the full repayment total in writing before you accept any offer, and ask what would need to change to qualify for better terms next time.
How to move forward
One honest application is the only way to see your real options — guessing from a checklist online won't tell you what a real underwriter will say.
I-95 Funding reviews your file and tells you plainly what's available, what it costs, and what would help next time. No pressure to accept anything you see.
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. This tier is placed through partners built to review credit and lane type case by case, not funded directly by I-95 Funding.
I was declined elsewhere — is it worth applying again?
Often, yes. Different funding partners weigh credit, lane, and cash flow differently, so a decline in one place doesn't mean a decline everywhere.
Does the lane I run matter?
Yes — some lanes and freight types face more caution from funding partners than others. I-95 Funding checks this before showing you any offer, so you're not quoted something that won't hold up.
Will this cost more than a typical fleet loan?
Usually. Funding that looks past credit history or a harder lane typically costs more than a bank loan or Established Fleet funding. You'll see the full cost before deciding.
What if I have an open bankruptcy?
Most funding partners require a bankruptcy to be discharged or dismissed, with documentation, before they'll consider a file. Ask specifically about your situation when you apply.
See your real options
One secure application. No obligation to accept an offer.
Updated September 14, 2026 · I-95 Funding Funding Team