Industry Guide
MCA Funders for Trucking Companies
Why Trucking Companies Take Out MCAs
Fuel costs
Diesel is the single biggest expense for any trucking operation. Price spikes can add thousands in weekly fuel costs across a fleet, and fuel cards only go so far.
Truck repairs and maintenance
DOT-required maintenance, tire replacements, engine repairs, and trailer fixes can't wait. A truck sitting in a shop is revenue lost every day it's down.
Insurance premiums
Commercial trucking insurance is extremely expensive — $8K-$15K per truck per year. Annual or quarterly premium payments require large lump sums.
Adding trucks to the fleet
Down payments on new or used trucks, trailer purchases, and the associated insurance and registration costs require significant upfront capital to grow the fleet.
Driver hiring and retention
Sign-on bonuses, training costs, and competitive pay are necessary to attract and keep drivers in a market with chronic driver shortages.
Compliance and authority costs
IFTA filings, UCR fees, BOC-3 process agents, ELD devices, and DOT audit preparation all come with costs that can't be avoided or deferred.
Trucking is one of the more restricted industries in MCA — not every funder will take a trucking deal. The reasons vary: irregular deposit patterns from factoring companies, high fuel cost exposure, regulatory complexity, and the owner-operator model where personal and business finances often blend together. But the funders who do work with trucking understand these dynamics.
The biggest consideration for trucking deals is how the company gets paid. Many trucking companies factor their invoices, meaning a factoring company deposits payments — not the shipper directly. Some MCA funders won't work with factored receivables, while others have adapted their processes to accommodate them. If your merchant factors, make sure the funder is OK with that before submitting.
Deal sizes for trucking range from $15K for owner-operators with a single truck to $200K+ for fleet operators with multiple rigs. Key factors include fleet size, authority age, DOT compliance, and whether revenue comes from direct shipper contracts or load boards. Trucking companies with dedicated lanes and contract freight are easier to fund than spot-market-dependent operators.
43 Funders Accept Trucking
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QFS Capital
VerifiedMin Revenue: $0/mo
Max Positions: 99
Defaults: ✕ No
App Funding Beta
VerifiedMin Revenue: $35,000/mo
Max Positions: 6
Defaults: ✓ Accepted
Black Rok
VerifiedMin Revenue: $30,000/mo
Max Positions: 99
Defaults: ✓ Accepted
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