Transportation & Fleet Capital

    Structured working capital for fleet expansion, fuel obligations, driver payroll, and operational scaling across active routes.

    ELIGIBLE OPERATORS

    • •Trucking & freight companies
    • •Last-mile delivery operators
    • •Hot shot & expedited carriers
    • •Intermodal & drayage operators
    • •Owner-operators scaling to multi-truck fleets

    CAPITAL USED FOR

    • •Freight payment cycle gaps
    • •Fuel costs across active routes
    • •Driver payroll & contractor payments
    • •Fleet acquisition & expansion
    • •Insurance premiums
    • •Maintenance & repair obligations

    Estimate Your Capital Need

    Capital Needs Assessment. Transportation

    Enter your operating profile to estimate your working capital gap and recommended facility structure.

    Estimated Capital Profile

    Freight payment gap

    $700,000

    35-day cycle gap

    Fuel exposure

    $108,250

    Based on 4.33-week avg

    Estimated capital gap

    $764,950

    Identified capital need

    This figure reflects your freight payment gap and fuel exposure across your active fleet. Most operators address one cycle at a time. A typical first facility ranges from $150K to $500K depending on your most pressing fuel and payroll obligations. Enter your contact information below to see what a structured facility would look like for your fleet.

    Request a Capital Review. A capital advisor will review your assessment and follow up to discuss structure options.

    Estimates are for advisory reference only. All structures subject to full financial review.

    Built for Active Fleet Operators

    We work with established transportation companies managing active routes, driver payroll, and fleet maintenance obligations.

    • Trucking and freight companies
    • Last-mile delivery operators
    • Hot shot and expedited carriers
    • Intermodal and drayage operators
    • Fleet management companies
    • Owner-operators scaling to multi-truck fleets

    Most clients generate $300K to $2M+ in monthly revenue with recurring freight or delivery contracts.

    Typical Working Ranges

    $150K to $350K

    Single-route support and operating liquidity

    $350K to $750K

    Multi-route payroll and fleet expansion

    $750K to $2M+

    Large fleet scaling and territory growth

    All structures are tailored to revenue flow and active route volume.

    Where Capital Is Deployed

    • Fleet acquisition and truck purchases
    • Fuel costs across active routes
    • Driver payroll and contractor payments
    • Insurance premiums and compliance costs
    • Maintenance and repair obligations
    • Broker factoring gap coverage
    • Scaling into new lanes or territories

    Structured Review Process

    1. 1.Initial discussion around current routes, contracts, and revenue flow
    2. 2.Review of recent business performance and fleet utilization
    3. 3.Capital structure options presented
    4. 4.Ongoing relationship as fleet operations scale

    A Capital Advisory Approach

    We work directly with private capital sources who understand fleet economics. Funding is structured around equipment lifecycles, fuel costs, and receivable timelines. Not cookie-cutter loan products.

    • Familiar with freight and logistics cash flow cycles
    • Experience supporting multi-truck fleet operators
    • Discreet and direct communication
    • Long-term capital access as operations expand

    Representative Structures

    Selected engagements from recent capital structuring work. Identifying details have been generalized for confidentiality.

    Situation

    Regional carrier, Southeast region. A $9M trucking operator seeking $450K in short-term working capital to fund fleet expansion ahead of a contracted rate increase from a primary enterprise shipper.

    Structure Deployed

    After a full financial review, recommended against the bridge facility the operator initially requested. The balance sheet supported a conventional equipment finance structure at materially lower cost. Coordinated the conventional facility through an institutional lending partner.

    Outcome

    Closed a conventional $520K equipment facility within 18 days at a cost of capital approximately 60 percent below the bridge alternative the operator had been considering. Referenced internally as an example of the review-first approach.

    Situation

    Last-mile delivery operator, Northeast region. A $12M regional fleet running net-45 broker receivables across three enterprise contracts, with fuel and driver payroll obligations creating recurring liquidity pressure during peak volume weeks.

    Structure Deployed

    Structured a $750K receivables-backed facility against verified broker receivables, advancing 85 percent on confirmed loads. Existing factoring arrangement was unwound in coordination with the new facility to reduce blended cost of capital.

    Outcome

    Closed in 10 business days. Driver retention stabilized through peak season. Total cost of capital reduced approximately 40 percent versus the prior factoring arrangement, with availability scaled to active receivables.

    Situation

    Intermodal and drayage operator, Gulf Coast region. A $26M port carrier pursuing a $1.8M chassis and tractor expansion to take on additional volume from a contracted ocean carrier partner.

    Structure Deployed

    Evaluated the existing bank relationship and confirmed conventional equipment financing was available at favorable terms given the operator's financial profile. Coordinated the facility directly through an institutional partner rather than introducing alternative capital.

    Outcome

    Closed a $1.95M conventional equipment facility within 22 days. Operator deployed the additional units within 60 days and absorbed the contracted volume increase without operational disruption.