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, no lien on the trucks. Funds in as little as 24 hours after you sign.
- Trucking, towing & hauling
- Fuel, repairs, payroll & tires
- No lien on your trucks
- Funds in as little as 24 hours
Updated September 3, 2026
Can a trucking or towing company get working capital?
Yes — Avanti Equipment Finance provides 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 no lien on the trucks, 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
1
Apply in three minutes
Business name, monthly revenue, what it's for, and a quick credit-based pre-qualification. No tax returns to start.
2
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.
3
Terms the same day
A real person calls with the amount, term, and total cost in plain numbers — no surprises in the fine print.
4
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.
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.
Will this put a lien on my trucks?
No. It is secured by your business cash flow, not your trucks, trailers or equipment.
Can I use it toward buying a truck?
As a down payment, yes — 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.
Related financing
- Working capitalPayroll, inventory, repairs and slow months — for any business, funds in as little as 24 hours.
- Working capital vs. a bank line of creditWeeks vs. days, tax returns vs. statements, revolving vs. fixed term.
- Working capital vs. a merchant cash advanceHow each is structured, and the three things to check before you sign anything.
- Working capital without tax returnsThree months of bank statements is the whole application — no returns, no financials.
Working capital products are subject to credit-based pre-qualification, bank statement review, and final approval. Amounts, terms, and cost vary by business and state. Not available in all states. This is a commercial financing offer only; no consumer financing is provided.