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Industry Financing

Transportation & Logistics Business Loans

Financing solutions for transportation companies, logistics firms, and freight businesses.

Transportation and logistics business loans help companies finance vehicles, equipment, fuel, and working capital. Common uses: trucks and trailers, fleet expansion, fuel and maintenance, warehouse equipment, technology, and working capital. Loan types: equipment financing (6-30% APR) for vehicles, term loans ($25k-$500k), lines of credit ($25k-$250k), and SBA loans (6-13% APR) for larger needs. Approval in 24-72 hours for alternative lenders. Requirements: 6+ months in business, $10k+/month revenue, 600+ credit. Transportation companies may need to show consistent routes and payment history.

Common Financing Needs

Vehicles & Fleet

  • • Trucks and tractors
  • • Trailers
  • • Delivery vehicles
  • • Fleet expansion

Learn about equipment financing.

Operating Expenses

  • • Fuel and fuel cards
  • • Maintenance and repairs
  • • Insurance
  • • Tolls and permits

Warehouse & Equipment

  • • Warehouse equipment
  • • Forklifts
  • • Loading docks
  • • Technology systems

Working Capital

  • • Cash flow gaps
  • • Payment delays
  • • Payroll
  • • Unexpected expenses

Best Loan Types for Transportation & Logistics

1. Equipment Financing

Best for: Trucks, trailers, and vehicle purchases.

  • • Rates: 6-30% APR
  • • Terms: 2-7 years
  • • Amounts: $25k-$500k+
  • • Vehicle serves as collateral
  • • Fast approval (24-72 hours)

Learn more about equipment financing →

2. Business Line of Credit

Best for: Fuel, maintenance, and ongoing operating expenses.

  • • Rates: 8-25% APR
  • • Limits: $25k-$250k
  • • Draw as needed
  • • Pay interest only on what you use

Learn more about lines of credit →

3. Term Loans

Best for: Large purchases, fleet expansion, and one-time needs.

  • • Rates: 8-25% APR
  • • Terms: 1-5 years
  • • Amounts: $25k-$500k
  • • Fixed monthly payments

Learn more about term loans →

Industry-Specific Challenges

High Operating Costs

Fuel, maintenance, and insurance are major expenses. Lines of credit help manage cash flow and cover these ongoing costs.

Payment Delays

Freight payments can take 30-60 days. Working capital loans bridge the gap between delivering loads and receiving payment.

Equipment Costs

Trucks and trailers are expensive. Equipment financing spreads cost over time while you use equipment to generate revenue.

Qualification Requirements

  • Time in Business: 6+ months (12+ months preferred)
  • Monthly Revenue: $10,000+ (higher for larger loans)
  • Credit Score: 600+ (higher scores get better rates)
  • Licenses: DOT registration and insurance required

Learn more about how to qualify for a business loan.

Frequently Asked Questions

Can I finance trucks and trailers?

Yes, equipment financing is ideal for trucks and trailers. Vehicle serves as collateral, rates are competitive (6-30% APR), and approval is fast (24-72 hours). Terms typically 2-7 years.

What's the best loan for fuel and maintenance?

Lines of credit are ideal for ongoing expenses like fuel and maintenance. Draw as needed and pay interest only on what you use. Fuel cards also available.

Can logistics companies get financing?

Yes, logistics companies qualify for all loan types. May need to show consistent contracts, routes, or client relationships. Equipment financing and lines of credit are popular.

Ready to Finance Your Transportation Business?

Apply now and get a decision in 24-72 hours. Fast approval for vehicles, equipment, and operating expenses.

Fast decisions • Clear terms • Real people