Trucking Business Loans & Owner-Operator Funding
Keep your trucks moving. Whether you're a single owner-operator or running a fleet, get matched with lenders who understand trucking — working capital, equipment, and cash-flow funding. Free to apply, no hard credit pull.
Start your match
Takes about 2 minutes. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
Funding built for trucking businesses
Trucking runs on tight cash flow: fuel, maintenance, insurance, and payroll go out before slow-paying freight invoices come in. The right funding bridges that gap.
Options for owner-operators and fleets
- Working capital / short-term loans for fuel, repairs, and payroll
- Equipment financing for trucks, trailers, and parts
- Merchant cash advance / revenue-based funding against future receipts
- Invoice factoring to get paid now on slow freight bills
Common ways trucking businesses use funding
- Covering fuel and maintenance between settlements
- Buying or repairing a rig
- Bridging 30–90 day broker/shipper payment terms
- Expanding the fleet or hiring drivers
What lenders look for
Owner-operators with steady revenue can qualify even without perfect credit.
- Months in operation
- Monthly revenue and settlement history
- Consistent deposits
First-time owner-operators and bad-credit options
Just getting started or carrying a lower score? Many trucking lenders weigh your settlement history and deposits more than your credit, and equipment financing for a truck or trailer uses the rig itself as collateral. That can make approval possible for first-time owner-operators — sometimes with little or no money down, depending on the lender and the equipment.
Why do thousands of businesses trust LendNest?
Security
Instead of sharing information with multiple lenders, fill out one simple, secure form in 60 seconds or less.
Savings
We'll match you with up to five lenders from our network of our network of lenders who will compete for your business.
Support
A dedicated funding specialist will walk you through your options and help you choose the best offer.
Frequently Asked Questions
See what you may qualify for
Compare offers from our network of lenders. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
Related funding options
Bad credit? You may still qualify for business funding. Compare offers from our network of lenders with no hard credit pull. See your options in minutes.
Need capital now? Get matched with lenders offering same-day decisions and funding in as little as 24 hours. Apply free, no hard credit pull.
LendNest is a matching service, not a lender. Approval, amount, rates, and terms vary by partner and are not guaranteed.
