Revenue-Based Financing for Trucking & Transportation
Busy month with heavy freight volume. Slow month with less loads. Revenue-based financing ties payments to your actual freight deposits, automatically adjusting to the natural variation in trucking revenue. Busy months pay more. Slow months pay less.
How much funding do you need?
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Perfect for Variable Freight Volume
Revenue-based financing calculates payments as a percentage of your deposits. Since freight revenue varies with loads, seasons, and market conditions, payments automatically match your actual cash flow.
Volume Variation Match
A 10% revenue share on $80,000 revenue month means $8,000 payment. That same 10% on $50,000 slow month means only $5,000. Built-in flexibility.
Seasonal Freight Reality
Produce season, holiday freight, construction season all create volume variation. Revenue-based acknowledges this reality.
Spot Market Variation
Spot rates fluctuate. Revenue from spot loads varies. Payments adjust automatically.
Automatic Adjustment
No negotiation or modification requests. Structure adjusts based on actual freight deposits automatically.
Why Fixed Payments Create Stress
Trucking revenue is inherently variable. Financing should acknowledge this.
Fixed Payments vs. Variable Revenue
A $6,000 monthly payment is easy during produce season but challenging during slow winter.
Freight Volume Variation
Some months heavy with loads. Other months slower. Revenue varies significantly.
Spot Market Volatility
Spot rates swing 20-40%. Revenue from same truck varies substantially.
Seasonal Freight Patterns
Produce, holiday, construction seasons create peaks and valleys in freight.
Shipper Payment Timing
Even consistent freight has variable payment timing from shippers.
Growth Cash Flow
Growing fleet creates more variation as operations scale.
Revenue-Based Financing Process
Get approved with payments that automatically match your freight flow.
Application
Complete application with company information and capital needs.
10-15 minutes
Bank Statements
Provide 4-6 months bank statements showing freight deposit patterns.
Upload documents
Evaluation
We analyze freight patterns and deposits to determine terms.
24-72 hours
Funding
Accept terms with percentage-based payments. Funds deposited.
1-2 days
Payments That Match Freight Reality
Revenue-based financing ties payments to actual freight deposits. Busy months pay more when you have the cash. Slow months adjust automatically. Natural alignment with trucking operations.
Freight Deposit Flex
Payments follow actual deposits. Slow month means smaller payment.
Volume Alignment
High freight volume enables higher payments. Slow periods adjust down.
Fast Access
Most applications receive decisions within 24-72 hours.
Seasonal Compatible
Designed for seasonal freight variation.
No Negotiation
Payments adjust automatically. No modification requests.
Growth Alignment
Growing revenue means comfortable payment growth.
Revenue-Based for Trucking
Common applications where freight-aligned payments work well.
Working Capital
Operating capital with payments that track freight flow.
Typical funding: $30K-$150K
Fleet Expansion
Expansion capital with payments aligned to growing revenue.
Typical funding: $50K-$200K
Seasonal Bridge
Bridge slow season with payments that flex down automatically.
Typical funding: $25K-$100K
Equipment Repairs
Repair capital with flexible repayment.
Typical funding: $20K-$75K
Technology Investment
Fleet technology with flexible payments.
Typical funding: $15K-$50K
Insurance Payment
Large insurance payment with flex repayment.
Typical funding: $25K-$75K
Revenue-Based vs. Fixed Payment Options
Understanding how revenue-based differs from traditional financing.
| Feature | Revenue-Based | Fixed Term Loan | Freight Factoring |
|---|---|---|---|
| Payment Structure | % of freight deposits | Fixed monthly | Per invoice |
| Volume Adjustment | Automatic | None | Per invoice |
| Slow Month Adjustment | Automatic | None | Fewer invoices |
| Speed | 24-72 hours | 1-3 weeks | Setup 1-2 weeks |
| Shipper Notification | No | No | Usually yes |
| Total Cost | Known factor | Known APR | Per invoice fee |
| Best For | Variable freight | Budget certainty | Ongoing cash |
| Documentation | Bank statements | More extensive | Invoices |
Revenue-Based Requirements
What qualifies trucking companies for revenue-based financing.
Freight Revenue
Consistent freight deposits through bank account.
$30,000+ monthly avg
Operating History
Established trucking operation with proven freight.
1+ year preferred
Deposit Patterns
Regular deposits showing operational consistency.
Consistent patterns
MC/DOT Authority
Active operating authority in good standing.
Active authority
Active Operations
Currently operating with freight flow.
Active operations
Positive Trajectory
Stable or growing freight revenue.
Positive direction
Revenue-based financing emphasizes freight patterns over credit scores. Volume variation is expected.
Real Results
Harvest Transport
Agricultural Trucking, California
The Challenge
Harvest had extreme seasonality: $95,000 monthly during produce season, $45,000 in winter. Fixed $7,500 payments were comfortable in season but strained winter operations.
The Solution
Revenue-based financing for $80,000 at 9% of deposits. Produce season months paid $8,500. Winter months dropped to $4,000 automatically.
The Result
Financing repaid primarily during strong produce months. Winter cash flow stress eliminated. Fleet expanded knowing payments would flex with freight.
“Winter months with fixed payments were always tight. Revenue-based means slow months are slow payments. Finally financing that understands seasonal trucking.”
Trucking Revenue Data
Understanding trucking revenue patterns.
Why Trucking Companies Choose Revenue-Based
Benefits of freight-aligned payment structures.
Volume Alignment
Pay more during busy months, less during slow months.
Seasonal Protection
Off-season payments drop automatically.
No Shipper Notification
Unlike factoring, shippers not involved.
Growth Alignment
Growing revenue means comfortable payment growth.
Fast Access
Quick approval for capital needs.
Simple Process
Bank statements demonstrate freight patterns.