$10,000 - $500,000 · Funded in 24-48 hours · Owner-operators & fleets welcome · No perfect credit required
Texas moves the country. But the freight brokers and shippers aren't always moving money as fast as your wheels do.
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.
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 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.
We understand the economics of a trucking business. We match you to funding that fits your cash cycle, not just your credit score.
Finance new or used semi-trucks, box trucks, flatbeds, and trailers. The equipment is the collateral, so credit score matters less. Competitive rates for owner-operators and fleets.
Cover fuel, insurance, repairs, and driver pay while waiting on invoice payments. Fast approval based on your monthly deposits, not just your credit file.
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.
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.
Repayments flex with your revenue. Higher payments in strong months, lower when loads are slow. Built for the seasonal nature of freight markets.
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.
Busted engines, new broker contracts, fleet expansion. Here’s what funding actually looked like for Texas operators.
Owner-operator lost his primary rig to an engine failure on a Friday. Bank required 2 years of tax returns and two weeks of processing. We financed the replacement engine and got him back on the road by Sunday night.
Small fleet operator landed three new broker contracts but needed to cover fuel cards, insurance renewals, and driver payroll while waiting on 30-day freight settlements. Working capital bridged the gap across all three trucks simultaneously.
Dry-van hauler wanted to add a second truck and trailer to lock in a dedicated lane contract. Fixed monthly payments on a term loan made sense, the lane revenue more than covered the note from day one.
Banks don’t understand freight. Here’s what trips up trucking companies, and what we use instead.
Banks want 2+ years in business before they’ll consider a trucking loan. Most owner-operators and small fleets are denied before they ever get to present their books.
We work with operators who have been running 6+ months. If you have consistent freight revenue, we can find a product that fits.
Spot market rates swing, dedicated lanes end, brokers cut loads. Banks call that unreliable, even when year-over-year revenue is strong and growing.
Three months of actual bank deposits. Strong average monthly revenue qualifies you even if individual months vary.
If your trucks already have floor-plan financing or purchase liens, banks call that overlevered, even if you’re current on every payment.
Revenue-based and working capital products don’t require collateral. Existing liens don’t disqualify you from these products.
No hard credit pull. A funding specialist follows up within 2 business hours.
A Lone Star Capital Group specialist will contact you within 2 business hours to walk through your trucking funding options.
We fund trucking businesses in every major Houston suburb. Click your area for a page built specifically for trucking operators in that market.
We fund trucking businesses in every major Houston suburb. Click your area for a page built specifically for trucking operators in that market.
Don't let cash flow slow down a profitable operation. Capital in 24-48 hours.
Apply Now, Free & Fast ↗Most business owners only know about bank loans and wonder why they get turned down. This free guide covers the options lenders don't advertise.
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