The fuel burns today. The freight bill pays in 45. We fund the gap in 24–48 hours.
Working capital for carriers and fleets — $20K to $2M against your deposits, not your balance sheet. Cover fuel, driver pay, insurance, and repairs now; repay as your freight bills clear. We're a lender, not a factor: no notification to your brokers and no lockbox. See your options in 60 seconds, free and with no obligation.
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How much funding are you looking for?
Insider insight
Right-size the ask to your revenue
Approvals move fastest when the amount requested lines up with what your deposits can comfortably service — most direct lenders fund up to roughly 1–1.5× your average monthly revenue. Not sure what's realistic? Your advisor will help you land on the right number.
The fuel burns today. The freight bill pays in 45.
Every carrier runs the same math. You pay for the load before the load pays you — fuel at the pump, driver pay on Friday, tolls, scales, and lumpers along the way. The lane is profitable. The calendar is what hurts.
You finance every load you haul
Fuel, driver pay, tolls, and lumper fees all clear before the wheels stop. The invoice doesn't even exist until you have a signed POD — then it sits in a broker's AP queue for 30, 45, sometimes 60 days. You are the shipper's lender, whether you meant to be or not.
Factoring fixes the timing by selling the margin
A point and a half to five percent off the top of every invoice, forever. On $2M a year of freight, three percent is $60,000 — gone, before you've paid for a gallon of fuel. And it comes with a notification letter to your customers and a lockbox holding your money.
Drivers get paid weekly. Brokers don't pay weekly.
Settlements run Friday whether the broker funded you or not. Miss one and a good driver takes an empty seat at the carrier down the road — and you're recruiting, orienting, and road-testing in the middle of your best freight.
Insurance renewal doesn't care about the freight market
Commercial auto liability, cargo, and physical damage all renew on the same date, and the down payment is typically around a quarter of the annual premium — due in one piece. It is the single largest check most small fleets write all year, and it isn't optional.
A truck in the shop earns nothing and still costs
An in-frame overhaul, an aftertreatment failure, or a transmission is a five-figure repair on a unit that stops producing the day it goes down. The payment, the insurance, and the plates keep running — and the load you had booked goes to somebody else's truck.
The contract you turn down is the expensive one
Dedicated freight and direct shipper work is where the margin is — and it wants trucks you can float for 45 days before the first check. Passing because you can't carry the ramp-up isn't discipline. It's the most expensive decision you'll make this year.
From application to funded, before Friday's settlements
No aging report to assemble. No POD packets. No two years of returns. No waiting weeks for a maybe while the truck sits.
Tell us about the operation
A 60-second application — no rate cons to pull, no IFTA filings, no tax returns to dig up. Just the basics that let us match you to the right structure.
Talk to an advisor who knows freight
Your dedicated Funding Advisor reviews your file and confirms real options, usually the same business day. Tell them how your brokers actually pay and repayment gets built around that.
Get funded
Approve your terms and the capital lands in your business account — as soon as the same day, and typically within 24–48 hours of a signed agreement.
One direct lender. Every way to fund a fleet.
Because we underwrite in-house, we match the structure to the need — covering three weeks of fuel is a very different product than a tractor you'll run for the next six years.
Working Capital
$20K – $1M
The receivable-gap product. Cover fuel, driver pay, insurance, and repairs now, and repay as your freight bills clear. Decided heavily on your deposits, not your credit score.
Term Loans
$25K – $2M
Fixed payments for planned moves — a dedicated lane, more seats, a yard, a shop, a second terminal. Rates as low as 5.99% for strong files.
Equipment Financing
Up to $2M
Tractors, trailers, reefer units, box trucks, and shop equipment — financed with the equipment itself as collateral.
Line of Credit
$10K – $250K
Draw for fuel and payroll, repay when the freight bills land, and only pay for what you're using. Built for running against a rolling receivable.
Six places a few weeks of capital changes the year
This isn't money to sit on. It's money with a departure time — and every one of these has a date attached to it.
Fuel and settlements across the gap
Three loads delivered, none of them paid, and settlements run Friday. Cover fuel and driver pay so the trucks stay loaded instead of parked waiting on a broker's check run.
Getting off factoring — or off quick pay
Quick pay costs 2–5% on every single invoice; factoring costs it forever and puts a lockbox between you and your money. Working capital is a cost you can stop paying. Bring the numbers to your advisor and run both side by side before you decide.
The insurance renewal
Auto liability, cargo, and physical damage all come due together, and the down payment usually runs about a quarter of the annual premium. Spread the hit instead of draining the account the same month freight goes soft.
Equipment — buy it or fix it
Finance the tractor, trailer, or reefer unit with the equipment itself as collateral, up to $2M. Or cover an in-frame overhaul this week so a producing unit isn't sitting in a shop for a month.
The annual compliance stack
IRP apportioned plates, quarterly IFTA, and the federal heavy vehicle use tax — $550 per truck at 80,000 lbs — all land as lump sums that don't line up with when your freight pays.
Adding trucks for a new contract
Winning a dedicated lane is a working-capital problem before it's an operations problem: you'll pay drivers and fuel for six weeks before the first invoice funds. Fund the ramp, then sign the contract with the capacity to run it.
One truck or forty. Spot, dedicated, or contract.
Asset-based carrier, brokerage, or both. If you deliver the freight and then wait to get paid for it, your cash flow is exactly what we underwrite.
- Dry van truckload
- Refrigerated / reefer
- Flatbed & step deck
- Heavy haul & oversize
- Tanker & bulk
- Hazmat carriers
- Auto transport & car haulers
- Intermodal & drayage
- LTL carriers
- Expedited & hotshot
- Last-mile & final-mile delivery
- Box truck & straight truck fleets
- Courier & medical courier
- Dump trucks & aggregate hauling
- Livestock & agricultural hauling
- Moving & relocation
- Towing & recovery
- Waste & roll-off hauling
- Freight brokerages & 3PLs
- Warehousing & cross-dock
- Bus, motorcoach & charter
- Non-emergency medical transport
- Owner-operator fleets
- Fuel & propane delivery
Don't see your operation? It's on the list. Pick the closest match on the form and your advisor will sort it out.
Express Capital vs. other lenders
A bank wants two years of returns, an equipment schedule, and four to eight weeks. The load books Monday. Plenty of online shops will move fast and price it like an emergency. Here's the honest middle.
Swipe to compare all three →
You've filled out a trucking funding form before. You know what happened next.
Your phone rang for a month straight, and half the callers weren't lenders at all. That's a broker who collected your file and sold it into a network. Express Capital funds with its own money — one decision, one advisor, one number that calls you.
We fund with our own capital
Most "trucking funding" sites are brokers who shop your file to third parties and take points off the top. We keep the paper on our own books — so the decision, the terms, and the money all come from one place.
One decision, not a bidding war
We underwrite in-house, so there's no waiting on an outside committee while a producing unit sits in a shop. Straightforward files can see a real offer — and funding — the same business day.
We read deposits, not a freight forecast
Carrier books look volatile by design: rates move weekly, fuel swings, and a soft quarter shows up hard on paper. We underwrite the money that actually lands in your account, so a good operator doesn't get punished for how the market cycles.
We don't want your receivables
We're a lender, not a factor. We don't buy your invoices, notify your brokers, or put a lockbox between you and your money. You keep the customer, the rate, and the relationship.
An advisor who already knows what quick pay costs you
No call center. No getting passed around. One dedicated Funding Advisor who learns your lanes, your brokers, and your season — and picks up the phone when a truck goes down on a Tuesday.
They learn how you actually get paid
Broker net 30, shipper net 45, a factor on part of the book — tell them the real mix. That's what repayment gets sized around, not a grid that assumes money arrives evenly every month.
They stay through the cycle
The same person through produce season, Q4 peak, the January cliff, and the renewal. A relationship, not a ticket number and a new rep every time you call.
They fight for your file
When the numbers are close, a human who understands rate cycles and receivable aging can find a path a rigid scoring model never would — the difference between a “no” and a solution.
They help you build
We report to the business credit bureaus and share that reporting with you — so each round builds credit history in the carrier's name and makes the next round stronger.
Capital priced for operators
Checking your options is free, takes about 60 seconds, and comes with no obligation.
Old-school relationship banking, brought back
Rated 4.8/5 stars across hundreds of reviews on Trustpilot and Google. One client — a seasonal operator carrying payroll through the slow months — described the difference better than we could.
“We worked with Jon at Express Capital — I actually built the relationship a year ago. One of our businesses has regular marketing needs and down-season payroll needs that we often use short-term funding for during the winter months. We just began our initial agreement with Express Capital and the process has been really smooth so far.
What we really like is that they operate like your old-school banker may have operated generations ago. They ask for a list of your objectives and talk through your needs for funding — they want to get to know the business. They also report to business credit for you and help you build your business credit history, and provide that reporting to you. Most lenders just look at your past three months of revenue, run their typical equation, and hand you a max loan amount with difficult payback terms.
Express Capital approves a total amount, but you can draw what you want based on need — like a line of credit — so you only pay interest on what you're currently using. They keep in touch, re-evaluate, and can issue more funds if needed. They can also refinance and extend terms, and will even work with a business that can't make a payment rather than sending it straight to collections.
Personal relationships and the ability to talk to someone who crafts things just for you is a lost art in a world of shoveling products through a lead funnel as fast as possible. This is where Express Capital offers real market differentiation — an excellent solution for any business, especially small ones.”
“After weeks of dealing with brokers offering less-than-ideal terms, Mico took the time to learn about our business and developed solutions for our capital needs at great rates. Express Capital are direct lenders, so you're dealing directly with decision-makers — someone you can build a longer-term financial relationship with. The whole process was smooth and got us funded at great rates.”
“Great experience! Dan Morris treated me with total respect and handled everything professionally. Transparent terms and very fair rates. I'll definitely be back if I need help again.”
“Jon and Kamila were great to work with. They understood my needs and were able to structure financing to meet them.”
“Jon made the process super fast and easy for us — no haggle, just got it done. By far the easiest company to work with if you need additional funds for your business.”
“Anthony at Express Capital Funding was outstanding. He was quick, efficient, and incredibly kind throughout the entire process. He made everything simple and stress-free, kept communication clear, and truly cared about helping. I highly recommend Anthony and Express Capital Funding to anyone looking for fast and reliable funding with excellent customer service.”
“Working with Jess is key — along with the flexible, custom options. Great experience from the start!”
“Amazing experience all around. I spent almost a month shopping around for loans. Everyone either was an immediate no or wanted to rush me to sign immediately. Once I finally found these guys, Anthony called me with a very warm greeting and conversation. He spent about a week with me going back and forth trying to find the absolute best option for me. I am so glad I found them as I will continue to come back to them for future capital needs.”
“Great experience with Express Capital! I just received my second round of funding with them. Justin, Pablo, and Brian are the best — a pleasure to work with!”
“Great communication and fast response. Very pleased with the service.”
Straight answers for carriers
Factoring, authority age, equipment, soft freight markets. The questions carriers actually ask before they sign anything — answered plainly.
That's most of the transportation files we see. We underwrite the deposits in your business bank account over recent months — not a projection of what a lane should produce. Tell your advisor how your brokers and shippers actually pay, and repayment gets sized and timed around that rhythm instead of assuming money arrives evenly every month.
No, and no. We're a direct lender, not a factor. We don't buy your invoices, we don't send a notice of assignment to your customers, and there's no lockbox collecting your freight bills. You keep the customer relationship, the rate, and the check. What we fund is working capital against your overall cash flow — which solves the same timing problem without permanently selling a slice of every load.
Tell your advisor up front, because it matters. Most factoring agreements include a UCC filing on your receivables and terms about additional financing, so the structure has to account for that. Many carriers do run both, and some use working capital as the bridge to stop factoring entirely — but that only makes sense if the math works. Bring your factoring rate, your reserve, and your monthly volume to the call and your advisor will put both sets of numbers in front of you honestly, including when the answer is to stay where you are.
Yes — equipment financing up to $2M, with the equipment itself as collateral. That covers tractors, dry vans, reefers, flatbeds, box trucks, and shop equipment. If what you actually need is a down payment, a major repair, or an in-frame overhaul, that's usually working capital instead. Your advisor will tell you which structure costs you less for what you're trying to do.
Not automatically. We fund from cash flow first, and we know rate cycles are not a referendum on how well you run trucks. Consistent deposits, even at a lower level, can carry a file that a credit-first lender would decline. If your recent months look weaker than your good months, say so on the call — context from an operator beats a number on a screen more often than you'd think.
Generally: at least 6 months in business, revenue in the last 4+ months, roughly $10,000+ in average monthly revenue, and a U.S. business bank account. To see options, the 60-second form is enough. To fund, we'll usually want recent business bank statements — no aging report, no rate confirmations, no two years of tax returns. Brand-new authority under six months is typically too early for us; get a couple of quarters of deposits behind you and come back.
Express Capital is a direct lender making true business loans — stated terms, no pre-payment penalty, and no broker points taken out of your funding. A merchant cash advance buys a slice of your future receipts at a factor rate, which is a different instrument with a different cost. If a short revenue-based structure genuinely fits your situation better, your advisor will put both sets of numbers in front of you and tell you which one costs less.
As is standard across virtually all business financing, we may file a UCC-1 financing statement. That's a routine public filing noting our interest in business assets — it isn't a lien on your home, it doesn't take your titles, it doesn't stop you from running, and it's released once the funding is paid off. If a factor or an equipment lender already has a filing in place, tell your advisor early so the structure is built around it rather than colliding with it.
Not automatically. We fund from cash flow first, so consistent deposits can carry a file that a credit-first lender would decline. Free consumer apps usually show a VantageScore, while lenders pull FICO — those can run 70–100 points apart. If the numbers are close, talk to an advisor rather than assuming the answer; we regularly find paths for operators other lenders turned away.
Straightforward files often see a real offer the same business day, with funds landing as soon as the same day when you get bank statements over quickly — and typically within 24–48 hours of signing. Practical advice: if the truck goes down Monday, start Monday, not Thursday afternoon. Larger or more complex requests take a little longer, and your advisor will give you the honest timeline up front.
Yes. Your data is encrypted in transit, we never sell it, and you're in control of every step before anything is finalized. Because we're a direct lender and not a broker, your file doesn't get distributed to a network of buyers — which is why your phone doesn't start ringing off the hook.
Know what you can carry — before you book the lane
About 60 seconds, no obligation, and a dedicated advisor calls you personally — usually the same business day. Get your number before the next contract, not after.