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EXPRESS SETUP Your Account In 24 Hours

EXPRESS SETUP Your Account In 24 Hours

Non-Recourse Rates At 1.5% To 3%

100% Non-Recourse Credit Insured Trucking Factoring

Free Freight Broker Credit Checks
Complimentary TMS Access
Fuel Advances up to 50%
Fuel Card Discounts
Access The Form
Asset Based Financing Quote

Asset Based Financing Quote

Non-Recourse Rates At 1.5% To 3%
Fuel Advances up to 50%
Complimentary TMS Access
Setup Account in 24 Hours
Free Freight Broker Credit Checks
Fuel Card Discounts
Same-Day Funding
Get Funded Fast
Flexible Response
Access The Form
Contact form
If you rather have a PDF version to fill out our Equipment Finance app, simply click here to download it.
If you rather have a PDF version to fill out our Fleet Owner Financial Information form, simply click here to download it.
Tell us about your company:
Note: To qualify for approval, construction contractors need a minimum of one year in business and $100,000 monthly revenue from multiple clients.
Please fill out the form below and an account representative will call you to discuss and answer any questions you may have about our Fuel Card Programs.
Tell us about your company:

Start the Process Now!

Fill out our quick, 5-minute application without concerns about credit or background checks. Your trucking company just needs to have no UCC liens, completed loads without disputes, and we'll take care of the invoicing.

Custom Rates Available for Fleets over $100,000/Mth

True Non-Recourse Factoring Terms
Immediate Fuel Advances at 50%
Full Advance – No Reserves
Same Day Funding
Setup in 24 Hours
Rapid Onboarding & Funding
Mexican Freight Brokers & Shippers Accepted
Free TMS Integration
24/7 Freight Broker Credit Checks
Effortless Management & Reporting
Extended Support Hours 9am - 9pm EST
Question? Call us at 1 (800) 876-6071
Thank you! Your submission has been received!

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Here's what you can expect:

Completing this application typically takes about 5-10 minutes. Ensure all fields are filled out, using "Not Applicable" where a particular section doesn't apply to you.

To begin with the Semi-Truck Finance App, please select the number of owners that have more than 20% ownership in the business.
Please read our general credit guidelines before proceeding with your application.
DOT infractions on the SAFER Report above the national average are Grounds for Denial
All Business must be conducted in the USA with the exceptions of New York, California and Louisiana. Applications from these States will not be considered
FINANCIAL STATUS AND STRUCTURE OF THE BUSINESS
No Sole Props Will Be Considered, Must Have Corporation
Minimum Monthly Revenue Of 25k Required
At Least 10% Ending Balances Of Monthly Revenue To Be Considered
Bank Statements Required
3 Months of Complete Business Bank Statements (All Pages)
NSFs (Insufficient Funds) and Overdrafts are Cause for Denial / Use of Overdraft Protection is Allowed
Start-Ups must have 1 year active in Business – 3 Months of Personal Bank Statements
Merchant Cash Advances (MCA) on Bank Statements – Grounds for Denial
THE EQUIPMENT
Any Equipment Older Than 5 Years Of Age Will Not Be Considered
Equipment Over 650,000 Miles Will Not Be Considered
Must Be Clear Of All Brands Including But Not Limited To: Salvage / Rebuilt / Cumulative Damage
Power Units - USA Titled Trucks Only, No Trucks Titled Out Of The USA
Any Truck With MaxxForce, Navistar, International Engine Will Not Be Considered
625 - MINIMUM FICO 2 CREDIT SCORE
12 Months With No Child Support Delinquencies
12 Months With Minimum History With Installment Loans - No Late Payments
25% Or More Available On Revolving Credit
For Applicants With A Under 700 Credit Score Must Have At Least 2 Term/Installment Loans
Education And Affirm Loans Will NOT Be Considered As Credit For Installment
Accounts For Scores Under 700 CBR
All Accounts With Past Due Balances May Be Considered As Sufficient Reason For Denial
Fraud Alert On CBR Must Have A Corresponding Phone Number To Verify And Process
Past Dues With Balances Are OK On Utility, Phone, And Medical Obligations Only
PRIVATE PARTY SALES/SELLER (PPS) DEALS
For Titled Equipment Only - Title Must Never Be In The Possession Of The Buyer
1st Commercial Credit Or An Independent Third Party Must Have Control Of Title / Prior To Or At Funding
Buyer, Seller, And 3d Party Inspector Must All Be Present For The Exchange Of Funds And The Equipment/Title
Minimum Finance Amount Is Generally $25,000
The Buyer And Seller Must Be An "Arm's Length Transaction" (Not Related)
BUSINESS OWNERSHIP/PERSONAL GUARANTORS
All 20% Or More Owners Must Apply Under The Business Name
All 20% Or More Owners Must Be A Personal Guarantor (PG) On The Deal
Only 1 (One) Of The Owners Needs To Be Real Estate Owner (For OTR Trucking Deals Only)
All Personal Guarantors Must Have A CBR FICO 2 Greater Than 625
If There Is A Question On Business Ownership - IRS Schedule K And/Or Articles Of Incorporation Are Needed
TIB (TIME IN BUSINESS REQUIREMENTS)
1 Year ACTIVE And Applicant Must Exhibit Competence In The Business/Industry
All Applicants Are Required To Be Responsible For Operating The Business Day-To-Day / No Absentee Investors
Applicants With More Than 3 Years Of TIB Are Not Required To Possess A CDL
START-UPS
Must be Driving their First Truck or Operating the Equipment / No - Investor Start-ups
Real Estate Ownership is Required for OTR loans
$100,000 Net Worth is Required / 1st Commercial Credit will Finance up to 50% of the Net Worth or $75,000 / or 80% LTV – Less of the 2
GOVERNMENT LOANS
SBA (Small Business Administration) & PPP (Paycheck Protection Program) may be Excluded from the Balance sheet due to US Federal Government Loan Forgiveness
EIDL (Economic Injury Disaster Loans) will be Included
PERMANENT RESIDENT / GREEN CARD HOLDERS (NON-EXPIRED) - NON-USA CITIZENS
Must Own Real Estate
Must have a “Non-Conditional” 10-year Permanent Resident Card (2-year Conditional Cards are not accepted)
ADDITIONAL COLLATERAL TO REDUCE DOWN PAYMENT (TITLED/VIN ONLY) AT 50% OF 1ST COMMERCIAL CREDIT'S DETERMINED COMPARABLE VALUE
Third Party Inspection is required
ACH Payments Required for all Deals