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● Equipment · 4 daysOwner-operator · Memphis, TN
“Bought a 2021 Cascadia with 380K miles — Berkman approved when two banks said no.”
Amount
$78,000
Use
Truck purchase
Term
60 months
Capital for carriers who can\'t wait on a broker check.
Fuel cards, factoring alternatives, truck and trailer financing, a fleet expansion when the lane finally pays. Built for owner-operators and fleets up to 50 power units.
What we fund
For O/Os, small fleets, and mid-size carriers.
Typical deal shape
What a trucking deal usually looks like.
Ranges are informative, not promises. Your file is your file — we size to it specifically once we see bank statements.
● INTERNAL EST. · TRAILING 12 MO
Funding range$25K – $750K
Typical speed to funding2–4 days
Common deal size$165K
Across 680 carriers funded. Most files involve trucks or trailers as collateral.
Products we usually pair
The capital shapes that fit this industry.
Equipment financing for the iron, AR financing for broker receivables, and a small MCA for the unexpected — most successful carriers use all three.
EFP01 / 03
Equipment Financing
Asset-secured term loan against the equipment you're buying. Longer terms, lower rates.
See product
AR02 / 03
Invoice Financing
Turn unpaid invoices into cash in 24 hours. Best for B2B with NET terms.
See product
MCA03 / 03
Merchant Cash Advance
Repaid as a % of daily card sales. Slow days = smaller payments.
See product
Questions
The ones we actually get asked.
Industry-specific answers — not generic boilerplate. Don't see yours? Drop us a line.
Do you compete with factoring companies?+
On most lanes, yes — and we usually win on cost. We charge interest only on what's drawn, not a flat percentage of every invoice.
Can a brand-new MC qualify?+
Yes. The deal is smaller (usually $15–25K) but we fund authorities under 90 days old when the bank statements support it.
What about owner-operators with one truck?+
Most of our trucking files are O/Os. We can fund a second truck or a trailer based on one year of solid books.
Will you pull my CSA or DOT score?+
Yes — for credit reasons and to confirm operational health. A clean CSA helps; a poor one isn't always disqualifying.