Our goal at Lending Valley is to provide all small business owners access to the best loans possible for their business. You can rest assured we will get you the best rates in the market!
Keep your trucks on the road. Whether you need to buy new trucks, maintain your fleet, cover fuel costs, or expand operations, Lending Valley provides fast business loans designed for trucking companies, owner-operators, and freight businesses.
The trucking industry runs on tight margins and long payment cycles. Shippers often pay 30, 60, or even 90 days after delivery, but your fuel, insurance, and maintenance costs hit every week. Lending Valley bridges that gap with fast, flexible funding tailored to transportation businesses.
Merchant Cash Advance (MCA) — Get $5,000 to $500,000 in working capital. Ideal for covering fuel, insurance premiums, driver pay, and operating expenses between load payments.
Invoice Factoring — Don’t wait 30-90 days for shipper payments. Factor your freight invoices and get up to 90% of the invoice value within hours. This is the most popular option for trucking companies.
Equipment Financing — Finance new or used trucks, trailers, refrigeration units, GPS systems, and other equipment. Spread the cost over time while keeping your fleet competitive.
Business Line of Credit — Access revolving funds up to $250,000 for ongoing expenses. Draw funds when you need them for fuel, repairs, or seasonal fluctuations.
Short-Term Business Loans — Fixed-amount loans for specific needs like truck down payments, facility leases, or fleet expansion.
New truck purchases — Finance Class 8 trucks, box trucks, flatbeds, and specialty vehicles.
Fleet expansion — Add trucks to take on more loads and grow your business.
Fuel costs — Cover rising diesel costs without dipping into reserves.
Maintenance and repairs — Keep your fleet road-ready with timely repairs and preventive maintenance.
Insurance premiums — Pay annual commercial truck insurance premiums upfront.
DOT compliance — Fund ELD devices, safety equipment, and compliance upgrades.
Hiring drivers — Cover recruitment costs, training, and sign-on bonuses.
✔ 6+ months in business
✔ $10,000+ monthly revenue
✔ Active business bank account
✔ 3 months of bank statements
✔ No minimum credit score for MCA and factoring
1. Apply in 5 minutes — Tell us about your trucking company and funding needs.
2. Submit bank statements — Just 3 months of recent statements.
3. Get approved fast — Many trucking companies get approved within hours.
4. Receive funding — Funds deposited as fast as the same day.
Can owner-operators get business loans?
Yes. Owner-operators with at least 6 months of operating history and $10,000+ in monthly revenue can qualify for MCA and invoice factoring.
How does freight invoice factoring work?
You submit your unpaid freight bills to Lending Valley. We advance you up to 90% of the invoice value within hours. When the shipper pays, we release the remaining balance minus a small factoring fee.
Can I finance a truck with bad credit?
Yes. Our MCA products have no minimum credit score requirement. Equipment financing options may have more flexible credit requirements than traditional banks.
How much can a trucking company borrow?
Trucking businesses can access $5,000 to $500,000 depending on revenue and funding type.
Apply for Trucking Business Funding
