As Your Business Grows,We Deliver the FUNDS

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Is your business growing faster than your operating capital?

Invoice Funding for Trucking Companies

Send Copies for Funding - Group Discounts on Fuel

USA & Canada

We Make Same Day Decisions - No Originals Needed - Fuel Advances Available - Set Up In 3 Days

Not all funding companies for trucking are the same, 1st Commercial Credit is a company that funds trucking companies using their delivered freight bills as the collateral. Additional services include Free Online Credit Checks, Fuel Discounts, Fuel Advances and fund the freight bills using our image uploading module.

Industries we Fund:

Reefer - Auto Transporters - Oilfield Services - Heavy Haul - Long Haul - Couriers - Freight Brokers - Intermodal

30 Day Receivable Funding Trucking Rates as low as 0.69% - 1.59%

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Customized Rates for Large Fleets starting at    Prime Rate +2% & Admin Fee

Request a Quote Online

Start Today   Set up in 3 to 5 working days!
Freight Funding is Simple:
  • Instant Cash Flow for your Trucking company.
  • Haul more loads by granting credit terms to new customers.
  • No need to borrow money for fuel, payroll, permits or other expenses.
  • Same day funding on credit approved shippers or brokers
  • We Make Same Day Decisions!
  • We accept 1 Truck operators, credit lines up to $10 million for larger fleets.
  • Large Fleet Revolving Credit lines with Low Flat Fee Rates.
Why Choose Us?
  • We offer Fuel Card Discounts
  • We are flexible in approvals and make same day decisions.
  • We keep it simple - No financials needed, No up-front fees to set up.
  • We provide cash flow to Trucking companies every day.
  • We have affordable factoring rates for all size fleets.
  • We set up your initial funding in 3 to 5 working days.


Ready to take your business to the next level?

30 Day Receivable Funding rates as low as 0.69% - 1.59%

Start Today

Call now for details at 1 800 876 6071 

(Rates subject to industry and collection cycle)

Simple & Flexible Receivable Funding for Small to Medium Size Trucking Fleets

No Financials Needed - No Admin Fees - No Application Fees - No Monthly Minimum - Free Credit Checks

Request a Quote Online

Start Today

Get your initial funding in 3 to 5 working days!

Most of our Trucking clients are either:

  • Fast growing Freight companies whose past earnings and sales histories will not justify the increased borrowing.
  • Start-up operations with no financing base to rely upon or companies with seasonal or uneven sales patterns.
  • Principals with bad credit and cannot obtain traditional financing.

What type of trucking companies qualify for our funding services?

Any Freight company can qualify for a receivable funding credit line if:

Trucking Industries Accepted

    • It hauls for credit worthy shippers or freight brokers.
    • It has not pledged accounts receivable as collateral.
    • Any Freight Broker, please see Factoring for Freight Brokers
    • Owner Operators
    • It has not pledged accounts receivable as collateral.
    • Freight Brokers
    • Dump Truck Hauling
    • Long-Haul Truck Load, Local Delivery or LTL
    • Automobile Haulers (case by case basis)

Invoice Funding for Small Trucking Fleets.

A small trucking fleet faces challenges that are unique and cannot be solved using a cookie-cutter approach. The right financial organization is one that understands these challenges and is able to create unique solutions to help the trucking company out. 1st Commercial Credit has been involved in freight factoring for its entire history and has a comprehensive understanding of what it takes to keep the rigs on the road and the freight moving from the loading dock to the customer destination.

The issues for a small trucking fleet are recurring and often costly. Maintenance to vehicles, permits and renting special equipment are just some of the ongoing costs that require funding in a regular basis. Past due invoices are not going to help pay the bills, which is why you need a freight factoring company which can provide the reliable cash flow you need to meet your customer deadlines and continue to grow your business. 1st Commercial Credit uses invoice factoring to provide a reliable and sustainable business line of credit to any small trucking fleet that needs it. As long as your company is able to send out approved invoices to customers with acceptable credit, then 1st Commercial Credit can solve your funding problems.

Funding Trucking Invoices Is Only One Of The Important Services 1st Commercial Credit Offers

One of the ways that you can tell whether or not a finance company understands the trucking industry is by the kinds of services that company offers. 1st Commercial Credit offers an Internet-based approval process that can approve invoices in just minutes. That means that your fleet will not waste time waiting to see if a client's invoice will be covered by our factoring services. We will utilize our rapid approval process to let you know that your invoice is approved and you can get back to the job of moving that next load and generating revenue.

1st Commercial Credit also offers services that will save your business money. We have a fuel discount service that can put money towards your company bottom line while still putting gas in your trucks' tanks. We offer competitive financing rates that will allow you to keep the majority of your invoiced amounts and get you that cash on or before the invoice due dates. We do not add any hidden fees to any of our transactions and we do not have any per invoice or per month limitations either. 1st Commercial Credit is not a bank, which means that we can offer the rapid and efficient service you need without all of the red tape that banks create.

1st Commercial Credit Is A Freight Factoring Company That Understands Your Needs

A bank is a general finance institution that does not take the time to get to know your business like it should. 1st Commercial Credit is an international leader in invoice factoring for small to medium sized trucking companies and fleets. We have worked for years in your industry and we know exactly what you need to keep your business profitable and strong. We can work with your company even if you have active tax liens or if you have just come out of bankruptcy. We are that financial break that your fleet organization has been looking for and we have the services you need to keep your fleet moving.

The application process with 1st Commercial Credit takes only a few moments and we can approve applications the same day that we get them. Once your account is in place, we can approve invoices in minutes and advance you funds against the face values of those invoices in 24 hours or less. When your trucks are on the road, the last thing you need is a weak cash flow that prevents you from getting the kind of maintenance and supplies necessary. 1st Commercial Credit works hard to provide those cash flow services and we also have plenty of other small trucking fleet services that will keep your company growing and your customers happy.

Funding Past Due Freight Bills Creates Reliable Cash Flow

Your small trucking fleet has a lot of ongoing costs that require a readily-available supply of cash to satisfy. The problem is that your desk is filled with past due freight bills that contain the revenue you need, but it is revenue you may not see for months. We understand how important it is to make payroll for your maintenance crew or pay the depot costs for running your fleet depot around the clock. That is why we offer the most comprehensive invoice factoring services in the industry to turn those past due freight bills into cash.

A small trucking fleet puts a lot of trust in its clients when it comes to payment and meeting obligations. The clients expect the trucking company to go out of its way to get deliveries to where they need to go by a pre-determined deadline. But it is difficult to make those deadlines when there isn't enough cash flow to satisfy payroll, meet fuel needs and get the permits required to legally move a load on public roads. By utilizing past due freight bills as collateral, 1st Commercial Credit is able to provide the sustainable cash flow you need to meet all of the financial obligations that come with running a small trucking fleet.

<5>Use Invoice Funding To Fund International Runs As Well

One of the more helpful elements of working with 1st Commercial Credit is that our international presence makes it easy for us to factor invoices for international loads as well as domestic hauls. Whether you are making a specialty run in a reefer across international borders, or you are carrying a standard load in a flatbed from one country to another, we can approve the client freight bills before you leave the customer's location and give you the confidence you need to move your trucks across international borders.

Small trucking fleets face a lot of challenges from larger competitors and even smaller companies that may not have the same resources that the fleet has. The trucking industry runs on cash, and that goes for fleets big and small. But the small fleet has a whole list of other concerns that include dispatching and scheduling needs as well as a higher emphasis on proper rig maintenance. To help meet those needs, a small trucking fleet owner needs to make sure that he is doing business with the right financial partners. 1st Commercial Credit is the right partner and we know exactly how to help you meet all of your financial challenges and keep your trucks running on time.

Instead of facing the open road alone, a small trucking fleet needs to have a strong financial partner on its side. 1st Commercial Credit has years of experience in helping small trucking fleets to stay profitable and we also have billions of dollars in resources that we can put to good use for your organization. It only takes a few moments to get the process started, but it will be a financial decision that your small trucking fleet will benefit from for many years to come.

At 1st Commercial Credit, we have account representatives specializing in trucking and transportation businesses. Whether your trucking company is running dry vans, reefers, or flatbeds, you must be successful at managing these challenges:

  • Maximizing cash flow
  • Avoid doing business with slow paying account
  • Minimizing uncollectible accounts

These challenges are our primary focus. In addition to factoring your freight bills within 24 hours, we can provide pre-screening of your new or existing freight brokers or shipper accounts, collect your receivables, and provide you with easy to understand, real-time, on-line access to all your factoring data.

1st Commercial Credit is a transportation factoring company that offers receivable financing for the transportation industry. Services may include but are not limited to trucking, air freight, local delivery and freight brokers in the USA, Canada and the United Kingdom.

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Receivable Financing Rates

Starting At 0.69% - 1.59% Or Prime +2% & Admin Fee

  • Quick Approval Process!
  • No Financials up to $350k
  • Easy Set-Up in 3 to 5 Days
  • Over 15 years in business
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1st Commercial Credit Provides Asset Based Lending, Purchase Order Financing and Factoring to all States: