Trucking & Towing

Working capital for trucking and towing companies

A blown engine, a fuel bill that hits before the shipper pays, a new contract that needs a second driver. Working capital for trucking, towing and hauling operations, underwritten on your deposits, no tax returns needed. Funds in as little as 24 hours after you sign.

Trucking, towing & hauling
Fuel, repairs, payroll & tires
Secured by your cash flow
Funds in as little as 24 hours

Apply now Call 617-843-5612

Updated September 3, 2026

Can a trucking or towing company get working capital?

Yes. Avanti Equipment Finance arranges working capital of $10K to $250K to trucking, towing and hauling companies, including owner-operators, underwritten on three months of business bank statements rather than tax returns. Factoring, freight and towing payments all count as deposits, there is no down payment, and it covers fuel, repairs, payroll or slow-paying invoices. Terms come back the same day the statements arrive, with funds in as little as 24 hours after signing.

3-min

Application

24-hr

Funds in as little as

$250K

Up to

24-mo

Terms up to

Why finance with Avanti

Trucks earn by the mile and break down by the mile, and the money from the load rarely arrives before the repair bill does. Working capital is the cushion: fuel and payroll while a factoring company or a shipper pays out, a transmission or a set of tires without parking the unit, the insurance renewal, the second driver a new contract needs. Three months of business bank statements is the whole application. Factoring deposits, freight payments and motor-club or municipal towing payments all count. No tax returns, no down payment, and nothing secured against the trucks themselves. Terms usually come back the same business day, the money is wired once you sign, and if what you actually need is a truck, that's the equipment side of the house.

At a glance

Amounts: $10K – $250K
Terms: 6 – 24 months
Time in business: 1+ year
Funds in: As little as 24 hrs

How it works

Apply in three minutes

Business name, monthly revenue, what it's for, and a quick credit-based pre-qualification. No tax returns to start.

Send three months of bank statements

All pages, PDF downloads from your online banking. Attach them to the application and the review starts right away.

Terms the same day

A real person calls with the amount, term, and total cost in plain numbers. No surprises in the fine print.

Funds in as little as 24 hours

Sign, and the money is wired to your business account on a payment schedule you saw before signing.

Start your application

Frequently asked questions

What can a trucking or towing company use it for?

Fuel, repairs, tires, payroll, insurance, permits and plates, slow-paying invoices, or adding a driver for a new contract.

I get paid through a factoring company. Does that work?

Yes. Factoring deposits are revenue like any other. The statements show them landing in your account, and that is what the amount is sized from.

Can I use it toward buying a truck?

As a down payment, yes. It's a common use, and we can run both together. For the truck itself, see tow truck financing or the equipment pages; that's a separate program.

I'm an owner-operator with one truck. Do I qualify?

If the business has been running for a year and the deposits go into a business bank account, yes, you can apply. The amount is sized from those deposits.

How fast can I get funded?

Terms usually come back the same business day your bank statements arrive; funds land in as little as 24 hours after you sign. Attach the statements to the application and the review starts the moment you submit.