Trucking Business Loans — Keep Your Fleet Moving
When a truck is down, revenue stops. When a load opportunity appears, you need capital today. We match carriers and owner-operators to lenders who understand trucking. $5K–$1M.
Mini Case Study
Premier Hauling Got $85K With a 591 Credit Score
After losing a truck to a road accident, Marcus needed an $85K replacement fast. Every day without that truck was a load that didn't ship and a contract he couldn't honor. His 591 credit score had ruled out traditional lenders.
1 Hour Lending matched him with a trucking equipment lender who focused on his revenue and haul history, not just his credit. Truck was on the road within a week.
Common Uses
What Trucking Companies Use This Money For
From a single owner-operator to a fleet of 20, here's how carriers in our network deploy capital.
Truck & Trailer Purchase
Buy a new or used semi, box truck, flatbed, or reefer trailer. Equipment financing uses the vehicle as collateral — easier approval.
Repair & Maintenance
Engine work, transmission, brakes, tires. A truck in the shop is a truck not earning. Get it fixed and back on the road fast.
Fuel & Operating Costs
Bridge the gap between loads and payment cycles. Fuel cards, fuel advances, and working capital lines keep the wheels turning.
Insurance & Licensing
DOT compliance, cargo insurance, IFTA permits. Annual insurance renewals can strain cash flow — a short-term loan smooths it out.
Driver Payroll
Pay drivers on schedule even when brokers or shippers are slow to remit. Never lose a good driver to a cash flow gap.
Fleet Expansion
Add a second truck and double your capacity. Finance multiple vehicles under a single equipment loan with one monthly payment.
Best Loan Types for Trucking Companies
| Loan Type | Amount | Speed | Best For |
|---|---|---|---|
| Equipment Financing | $5K–$1M | 1–5 days | Truck & trailer purchase, uses vehicle as collateral |
| MCA / Short-Term Loan | $5K–$500K | 1–24 hrs | Emergency repairs, fuel costs, quick working capital |
| Business Line of Credit | $10K–$250K | 24–48 hrs | Recurring expenses, seasonal flexibility |
| Invoice / Freight Factoring | $10K–$1M | 24 hrs | Get paid on freight invoices immediately |
What Business Owners Say
Real Businesses. Real Funding.
"I applied at 9am. By noon I had three offers in my inbox. By 2pm the money was in my account. I didn't believe it was real until I saw the deposit."
"After three banks turned me down, I figured I was out of options. 1 Hour Lending matched me with a lender who actually understood my industry. Got $85K in equipment financing."
"My credit score was 562. I thought that was a deal-breaker. The marketplace found me a lender who looked at my revenue instead. $40K working capital in 24 hours."
Ready to See What You Qualify For?
One 5-minute application. 75+ lenders competing for your business. No hard credit pull. Most businesses get matched same day.
No hard credit pull · Free to use · Funding from $5K to $5M