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Texas Trucking Funding

Fuel for Your
Trucking Business

$10,000 – $500,000 · Funded in 24–48 hours · Owner-operators & fleets welcome · No perfect credit required

Keep Your Trucks Rolling ↗ See Funding Options
0 Capital Deployed
0 Truckers Funded
24–48h Avg Funding Time
580+ Min Credit Score
We Get It

The Cash Crunches Every Trucker Knows

Texas moves the country. But the freight brokers and shippers aren't always moving money as fast as your wheels do.

Fuel Costs Hit Before Invoices Arrive

Diesel fills up before the load pays out. Between fuel, insurance, and driver pay, you're spending thousands before you see a dollar from the freight broker or shipper. The gap is real — and it repeats every load.

Freight Invoices Pay on Net-30 to Net-60

You delivered the load. The paperwork is signed. But the check won't clear for 30–60 days. Meanwhile your next run needs fuel today. Slow invoice payments are the #1 reason truckers run out of cash on a profitable business.

A Breakdown Can Shut Down Your Whole Operation

A blown transmission, a failed turbo, a tire shred on I-10 — repair costs for commercial trucks run $5,000 to $25,000+. Every day a truck is down is a day it's not making money. Capital on standby is the difference between a setback and a crisis.

Funding Options

Built Around How Trucking Actually Works

We understand the economics of a trucking business — and we match you to funding that fits your cash cycle, not just your credit score.

Most Popular
Commercial Truck Financing 3–5 days
$15K – $1M

Finance new or used semi-trucks, box trucks, flatbeds, and trailers. The equipment is the collateral — credit score matters less. Competitive rates for owner-operators and fleets.

Working Capital / MCA 24–48 hrs
$10K – $500K

Cover fuel, insurance, repairs, and driver pay while waiting on invoice payments. Fast approval based on your monthly deposits — not just your credit file.

Business Line of Credit 2–3 days
$10K – $250K

Draw funds when you need them — for a repair, a fuel fill-up, or taking on a new contract. Repay it, and the line is available again. Perfect for owner-operators managing variable cash flow.

Term Loan 2–5 days
$25K – $500K

Fixed monthly payments for planned growth — adding trucks to your fleet, hiring drivers, securing a yard, or landing a dedicated lane contract that needs upfront investment.

Revenue-Based Financing 24–48 hrs
$5K – $250K

Repayments flex with your revenue — higher payments in strong months, lower when loads are slow. Built for the seasonal nature of freight markets.

SBA Loan 2–4 weeks
$50K – $5M

Lowest rates and longest terms for qualified trucking companies. Best for major fleet expansion or acquiring a competing carrier — worth the wait for the right deal.

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Check Your Options in 60 Seconds

No hard credit pull. A funding specialist follows up within 2 business hours.

✓ No credit impact ✓ 256-bit encrypted ✓ Zero fees — ever

Application Received!

A Lone Star Capital Group specialist will contact you within 2 business hours to walk through your trucking funding options.

FAQ

Trucking Funding Questions

Yes. Owner-operators are one of our most common applicants. You don't need a fleet — one truck generating consistent revenue is enough to qualify for working capital, equipment financing, or a line of credit. We work with sole proprietors and single-truck LLCs every day.
Yes. Commercial truck financing uses the vehicle itself as collateral, which means lenders are more flexible on credit scores than unsecured loans. We regularly see approvals at 580–620 credit scores for truck purchases. Revenue history and a solid down payment help offset credit risk.
Invoice factoring sells your unpaid invoices to a company that advances you 70–90% immediately, then collects the full amount from your customer. An MCA (merchant cash advance) is a lump sum advance against your future revenue — repaid via a daily or weekly percentage of deposits. MCAs are faster, more flexible, and don't require you to assign your receivables.
Lenders primarily look at your average monthly deposits (3 months of bank statements), time in business, and credit score. They're comfortable with the cyclical nature of freight — a strong 3-month average matters more than a slow month. USDOT number and active authority are a plus but not always required.
Working capital and MCA products fund in 24–48 hours of approval — often same day if your application is complete by noon. If you already have an application on file, reactivation is even faster. For emergencies, apply now and tell your specialist it's time-sensitive — we'll prioritize your submission.

Ready to Keep Rolling?

Don't let cash flow slow down a profitable operation. Capital in 24–48 hours.

Apply Now — Free & Fast ↗