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Find Your Fit

Not Every Fleet Qualifies for the Same Thing — Here's How to Tell Which Path Fits

I-95 Funding works with funding partners across three tiers of qualification, because a fleet running the corridor for years with strong freight volume and a fleet with one truck and six months of history need different things. Here's an honest look at where your fleet likely fits.

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Established Fleet1+ year running, $25,000+/month revenue. Working capital or factor-rate advance, generally up to $250,000+.See if this fitsGrowing Fleet1 year in business, credit around 580+, $15,000+/month revenue. Sized to grow into Established Fleet terms.See if this fitsSecond LookPast credit challenges or a harder lane. Reviewed by hand — approvals exist even where a bank said no.See if this fits

Compare the three at a glance

Time on the road, revenue, and credit are the three things that move a fleet's file from one tier to another.

TierTime in businessCreditMonthly revenue
Established Fleet1+ yearGeneral credit considered$25,000+
Growing Fleet1 yearAround 580+$15,000+
Second Look6 months+As low as 500s, case by caseReviewed individually

Frequently asked questions

What if I'm not sure which tier fits my fleet?

Apply once — I-95 Funding reviews your file and matches it to the right tier itself. You don't need to guess.

Can my fleet move from one tier to another over time?

Yes. Fleets commonly start at Growing Fleet or Second Look and move into Established Fleet terms as revenue and time on the road build.

Does applying commit me to anything?

No. One secure application shows your real options, and you decide whether to accept any offer.

Find out where your fleet fits

One secure application. No obligation to accept an offer.

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