September 7

by Michael Granados

Would you like to see the BEST Small business loans for trucking so you can continue to build, grow, expand, and even get out of a tight pinch...super fast?

How about getting the Up to $5,000,000+ with and without collateral so you can have the best chance at having literally no stress?

You shouldn’t struggle to get a loan through the bank (yet you do), or having to reach deeper into your own savings account, and even asking friends and family for help (anymore), So many of the options you’re going to see here today have the capability to transform your trucking business overnight, how?

Listen, I “Michael Granados” have been helping small business truckers and ALL types of industries get alternative business capital through a variety of lenders and companies and the ONE common thing I see is this…

Truck drivers struggle to either get startup capital or more money to fuel their current trucking business, and that paves the way to endless hair-pulling frustrations, feeling like you’ll have to close your doors or not even get off the ground, and eventually having to go work for someone else as an employee...all over AGAIN!

Fortunately, You’ve come to the right post to help you solve all these problems so you can finally be able to have the money you need to power forward long-term, be able to get more trucks and equipment and be able to save A LOT more time and money. 

Okay, let’s get started!

Fast Cash For Truckers (Is There Such A Thing?)

I've heard it all, I can't get a "TRAC" lease, or I can't get the right type of equipment financing, and so much more but listen to this...

You'd be surprised at the LOADS of options you have for getting fast cash as a trucker and I want to give you the "scoop" on what's best...

Which is through two types of funding's:

In short, Merchant Cash Advances are a "cash advance" that gives you money fast and then takes a percentage of your future credit card sales, while Revenue Based Funding is kind of like an MCA but not really...

This is mainly focused on "how much" you make per month and give you an "advance" based on how much you are making monthly without having to deal with confusing rates, APR's, and factor rates.

I prefer Revenue Based Funding EVERY Day because it's less complex and much less expensive than an Merchant Cash Advance.

Do you Need Collateral?

No, not necessarily (as you saw in the previous segment), usually a down payment for a trucking/equipment for leasing/leasing to own would be required OR if you want to avoid a down payment and any form of collaterl and have enough revenue to get you a "lump sum" or a "line of credit" to use towards the purchase of equipment, well you can do that, and you'll learn below how much...

But if you would like to get the lowest interest rates at like prime rate (4%) + 2% or so, with up to 10 year terms, I'll show you a great collateral based option towards the bottom of the list.

Best Small Business Loans For Trucking

best small business loans for truckers

Here are the best of the best Hotshot truck financing options starting with what I believe to be one of the best:

#1 DAC (Up To $2,000,000 Program)

I highly regard This up to $2,000,000 program as being the “go-to” solution for “Non-Startups” who have been in trucking for at least 4+ months and gives you the ability to earn either up to $2,000,000 in alternative business capital OR up to $25k with their superior and very popular program with bitty advance and their partnership. They offer a great alternative to merchant cash advances which is through “Revenue Based Funding with a hybrid cash advance”.

Although this is not exactly "Equipment Financing/Leasing/leasing to own" specialized, they can get you the lump sum of cash you need to put towards a truck or anything else. We've helped plenty of truckers get funded this way especially when they can't get it elsewhere due to factors like Revenue, and credit worthiness (which you'll see a lot of people getting declined for).

One of my favorite features of this type of funding is their Up to $25k Same day instant Approval Easy Peezy Breezy program. This branch ensures you can get a “cash advance” called “Revenue Based Funding” without having to pay back expensive fees, and you can even have bad credit!

If that’s not enough I know you’ll also like that it comes with:

  • 500+ Minimum FICO credit score so you don’t have to worry about having an average to excellent credit score to be accepted for funding which means you’ll ensure getting fast money without getting your credit and debit information pulled.
  • NO INTEREST RATES so you don’t have to deal with complicated factor/interest rates which means you’ll only have to focus on your total payback daily/weekly payment that is fixed. This gives you greater peace of mind and is 50% lease expensive than a traditional Merchant cash advance and unsecured term loans.
  • Best Lenders are provided as well many other vendors so you can expect to get the best help no matter what.
  • Early Payback rewards and discounts so if you want to keep withdrawing money out, you can get better deals and discounts.
  • You can use the Revenue Based Funding Working Capital to buy equipment and continue getting more of it time and time again.

As you can see, there is so much to love about this up to $2,000,000 funding program, in fact so many people are saying amazing things about them and if you'd like to learn more about them, go here:

BONUS: Would You like to get a Personalized and Customized email response on your best Trucking funding option(s) thoroughly broken down from top to bottom so you're not spinning your wheels wasting time and energy? Click here to fill out the free and less than 30 second questionnaire

And if you're looking for "Traditional Equipment Financing/Leasing/Leasing to own", Click here to fill out the equipment financing form

#2 Everlasting Capital

Are you interested in getting equipment financing from one of the more superior programs online?

Everlasting Capital is a superior program for equipment financing and they also have a "working capital" Merchant Cash Advance type of funding...

But before I cover the working capital, the equipment financing side can get you used or new equipment and technology and have access to business equipment, commercial vehicles, technology products and much more.

You can get up to $1.5 Million for new and used technology and fast service. As far as working capital goes, you should have:

  • 3+ months time in business
  • Unexpired government-issued picture ID of all owners
  • Voided Check from underwritten business bank account

If you'd like to learn more about Everlasting Capital, click the following button:

#3 Lendio

Lendio made it high on your lest because they work with Startup trucking business loans bad credit. As opposed to the up to $2,000,00 program, "non-startup" cash advances, Lendio makes it easy to pair you up with Lenders who do fund startup trucking businesses with bad credit...

So if you're looking for a great online marketplace to match you with your startup trucking needs, Lendio is your way to go. Unlike direct lenders, Lendio works as a "middleman" to pair you up with potential lenders with different funding offers, even if you're a new business.

I wrote a more in-depth review of Lendio you can check out by clicking the button below.

#4 Business Capital With National

How would you like to get assisted by the #1 leading Fintech company for getting you the best offer from the best lenders all while getting access to TOP tier equipment financing and non-equipment financing options?

With Business Capital through National, you can get financing that's VERY fast, safe, and secure, and get traditional equipment financing/leasing/leasing to own, a term loan, cash advance, accounts receivables (unpaid invoices) and so much more!

I'll start off with the equipment financing:

  • You don't need a minimum time in business IF your credit score is a 650+ FICO credit score
  • $120,000 in annual gross sales. IF your credit score is a 650 or higher, there are no required sales minimums.
  • No minimum credit score is required IF you make $120k in annual gross sales and have been in business for 6+ months
  • Preferred: 1 year time in business, No private party sales, and Invoice is required for quote.

There's also cash advances, term loans and more you can get separately and or you can apply them as a down payment when you're going through "traditional equipment financing/leasing/leasing to own, but you can also offer up unpaid invoices through their accounts receivables financing option and get you the lowest interest rates and best terms up to 10 years possible (prime rate + 2%, so like 6% as opposed to starting off at 6%+ already with equipment financing).

I made a specific blog post for accounts receivable financing and all that Business Capital with National has to offer right here:

#5 GoKapital

What really makes GoKapital stand out among the rest on this list is that they take in Bad Credit and it's designed for people who have unfavorable circumstances in their lives, and as a result has your credit score impacted.

From Charter buses to tow trucks, and everything in between, GoKapital has the most straightforward online application process for transportation financing. If that's not enough, check this out...

With a 95% approval rating, this is how their loan process is very straightforward:

  • Apply Online
  • Qualify Instantly
  • Fast Loan Approval

Here's some details:

  • Loan amounts range from $30,000 to $5,000,000
  • 1-5 Year loan terms
  • 3 to 5 business days to fund
  • 6% to 35% Interest rates range

Click the button below to get started with GoKapital:

BONUS: Would You like to get a Personalized and Customized email response on your best Trucking financing option(s) thoroughly broken down from top to bottom so you're not spinning your wheels wasting time and energy? Click here to fill out a free and less than 30 second questionnaire.

And if you're looking for a "Traditional Equipment Financing/Leasing/Leasing to own" route, Click here to fill out the equipment financing form

#6 Kabbage

Kabbage offers small business lines of credit for $500-$250,000. They will weigh your FICO credit score a lot less while qualifying you because they’re looking for you to have at least one year in business AND have at least $50,000 a year in annual revenue.

So as opposed to looking directly at your credit score or if you have collateral, Kabbage looks primarily at your revenue and wants to make sure you meet a minimum and consistent revenue as I listed earlier.

#7 National Funding

With National Funding you can get custom business loans, equipment financing, working capital, and they like Kabbage, they are very lenient on credit scores only asking for a 620 FICO score. Here are some of the benefits:

  • $5k-$50,000 in financing you can get if you have one year of time in business AND $100,000 in sales
  • National Funding brokers with other sources just in case you can’t get funding directly through them.
  • Based on revenue mostly

#8 Gud Capital

Gud Capital offers loans and transport financing specifically in the transportation industry. Here’s more:

  • They offer bank and sba financing up to MILLIONS
  • 650 FICO credit score
  • Alternative financing options if you have less than a 650 FICO credit score

#9 Fundera

Listen to this, you can get equipment financing up to 10 years with Fundera! PLUS: You can just have a 650 FICO score to get started. They also offer short-term financing for scores as low as 525 BUT your rates aren’t going to be as good as if you had a 650 FICO credit score.

#10 Headway Capital

With Headline Capital you can get lines of credit up to $100,000 for 12, 18, or 24 months - Which are shorter terms.


  • 1 Year in business
  • $50,000 in annual revenue

#11 Clarify Capital

This platform offers:

  • Term loans
  • Lines of credit
  • Invoice factoring
  • Equipment financing
  • Working capital loans
  • Merchant cash advances

All up to $750,000! So it’s one of the upper-end loan amounts on our list today. 


You get:

  • cash flow financing
  • working capital
  • revenue based
  • Business lines of credit
  • Term loans
  • Cash advances

Up to $5,000,000 in funding 

Here’s more:

  • 6 months time in business
  • $10,000 a month in revenue

LVRG is not helping startups but they will help you with credit since they focus on revenue mostly.

#13 OnDeck

One of the biggest in the revenue lending merchant cash advance space, OnDeck offers you:

  • Term loans up to 36 months
  • Up to $100,000 in financing
  • Credit Lines

So if you have better credit lines, you can get a loan and a credit line, and this is the first source that actually gives you cash flow-based financing.

#14 Fundbox

One of my favorite credit line companies who do two types of financing:

  • Invoice factoring up to $100,000
  • Revenue up to $100,000 - All they look at is your bank account and don’t need bank statements.

Fundbox specializes in Artificial Intelligence Lending which means they use technology to grab your information they need without needing your documentation, so they won’t have to ask for your bank statements. Their computer does an in-depth analysis and gives you a much faster approval…

Meaning you can get a line of credit with 24 hours! This is way faster than most other services offer business lines of credit.

#15 Express Capital

You can get Working capital loans with:

  • 1-12 month short terms
  • 5.9% rates
  • Up to $150,000 in financing
  • Equipment financing
  • Be in business for at least 1 year
  • $50,000 in annual revenue

Express Capital looks at your cash flow and revenue as opposed to having a good credit score.

#15 Fast UpFront

Here you’re getting unsecured business loans with financing up to $250,000, and here are more details:

  • Bad credit is ok
  • No collateral
  • They ask for 3-4 months of revenue and merchant account statements
  • 550 credit score approval
  • No startups

#17 Top Mark Funding

This company is specifically for the trucking industry that do semi-truck financing and leasing. You can get approved with very little money down and up to $500,000 and get up to 3 years in terms (longer terms).

They are similar to Gud Capital on this list who’s focus is on revenue-based funding. 

BONUS: How would You like to get a Personalized and Customized email response on your best Trucking financing option(s) thoroughly broken down from top to bottom so you're not spinning your wheels wasting time and energy? Click here to fill out a free, simple, and less than 30 second questionnaire

And if you're looking for "Traditional Equipment Financing/Leasing/Leasing to own" direction, Click here to fill out the equipment financing form

How To Get Lower Payments…

If you’re asking yourself the question of “How do I get lower interest payments”, I’m right there with you, and here’s what I have to say…

Focus on getting longer terms than on interest. So if you want to really have low payments but have higher interest’s, then go for longer terms so you can make sure you pay back your amount with the least amount per day, or per month and with the least amount of stress possible.

Also, the best way to get the lowest interest rates and best terms right now on the market is through Accounts Receivables - You can offer up unpaid invoices to a factoring company as collateral and get cash in return very fast, and if you'd like to learn more how, click here to learn more about Business Capital With National and the accounts receivables financing option.

Final Thoughts

Which was your favorite Trucking small business loan program? Did you find one that fits ALL your needs?

With these times of uncertainty comes a lot of problems you as a trucking owner have to deal with. such as the inability to pay your co-workers, having to let them go, not having enough funds to buy equipment so you can further transport products all across your area and in the nation...

But fortunately there's help on its way and you can get funded with alternative options that the bank can't give you. All of these trucking programs you've just seen have the power to FULLY transform your trucking business from "what it can be", to "what it is"...

And if you're ready to get started with a same day cash advance up to $25k or up to $2,000,000 in straight up revenue based format, then click the button below to see my #1 recommended loans for trucking.

Michael Granados

Michael Granados is an expert blogger and a 6+ figure-a-year affiliate marketer. As an expert, He's created a health and wellness brand as well enjoys helping others learn about different marketer tools, systems, and helping people achieve an awesome life personally, physically, and professionally.

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