— Trucking company funding
Funding That Keeps the Fleet Moving
Fuel, maintenance, and driver pay come every week — but the freight bill often takes 30, 60, or 90 days to collect. Zip helps trucking and transportation businesses keep the wheels turning while the invoices catch up.
$400M+
Funded
6,700+
Businesses
Since 2013
Serving business owners
01 — The wait
Why trucking company funding?
The load runs on your money before it runs on anyone else’s. Four places that shows up.
The freight-invoice wait
The load is delivered, the paperwork is in, and then you wait. Brokers and shippers pay on their own terms — often 30, 60 or 90 days out — on revenue your trucks earned weeks ago.
Costs that never wait
Fuel every week, insurance every month, permits and plates on their own cycle, and drivers who get paid on schedule or find someone who pays on schedule. None of it pauses for a slow-paying customer.
Equipment and maintenance
Tires, a rebuild, a trailer that needs replacing. The repair bill is the smaller number — the real cost is a unit sitting in a shop bay instead of earning miles.
Growth and capacity
Another truck, another driver, a new lane you have been offered but cannot cover yet. It is also what carries you through the stretch between contracts when the board is thin.
02 — Common uses
Common uses of trucking company funding.
Fuel, insurance and operating costs
Capital to keep the trucks fueled and the coverage current between customer payments.
Bridging freight receivables
Funding to cover the stretch between delivering a load and collecting on it.
Truck and trailer repairs or replacement
Capital for a rebuild, a set of tires, or the unit that has reached the end of its run.
Driver payroll through slower stretches
Funding to keep experienced drivers paid and seated when the board goes quiet.
Adding trucks, lanes and capacity
Capital to take on a lane or a contract that needs another unit on the road first.
Permits, registration and compliance
Funding for plates, authority, permits and the compliance costs of running legal.
03 — How it works
How it works
01
See if you qualify
A short set of questions about your operation — straightforward, and no obligation to move forward.
02
Talk to a specialist
One person reviews your situation and walks you through the funding options that fit how your lanes, customers and payment terms actually run.
03
Access your funding
Once approved, funds are made available to put to work — fuel, repairs, payroll, or another truck.
Typical minimum: $10K+ in monthly business deposits. That’s a general starting point for fit rather than an automatic qualification — meeting the minimum does not guarantee qualification, and every business is reviewed individually.
04 — Proof
What owners say
Business owners rate working with a Zip specialist across every industry we serve.
$400M+ funded across 6,700+ businesses since 2013 — one specialist to a file, start to finish.
08 — FAQ
Trucking company funding FAQ
On this page
How do trucking companies finance fuel and operating costs?
Most established carriers use working capital to keep fuel, insurance and driver pay covered rather than timing every expense to when a customer pays. Zip helps you access funding you can put toward running costs now and repay as the freight bills come in, so the schedule is set by the loads rather than by the payment terms.
Can I get trucking company funding while waiting on freight invoices to be paid?
Yes — that wait is one of the most common reasons carriers come to us. Loads delivered and accepted but sitting on 30, 60 or 90-day terms are a timing gap rather than a revenue problem. Funding can carry fuel, maintenance and payroll until those payments clear.
How much funding can my trucking business qualify for?
Funding is available from $10,000 up to $1 million. The $1 million figure is the ceiling of the range rather than a typical amount — the actual amount available depends on your business and its qualification, and it’s set with your specialist rather than quoted as a single number.
Do I need perfect credit?
No. Credit is one part of the picture, not the whole of it. A specialist reviews how your operation actually performs — deposit history, your customer and lane mix, how the receivables move — rather than reducing your file to a single score.
What can the funds be used for?
Operating needs across trucking companies: fuel, insurance and operating costs between payments, bridging freight receivables on longer terms, truck and trailer repairs or replacement, driver payroll through slower stretches, adding trucks or expanding lanes and capacity, and permits, registration and compliance costs. Your specialist walks through your intended use with you.
A truck parked for the wrong reason is the costliest truck you own.
Fuel on Monday, drivers on Friday, and paperwork sitting on someone else’s terms. Keep the fleet moving and the lanes covered while the invoices catch up.
No obligation · Your information is encrypted and never sold