Need a Small Business Loan
for Your Trucking Company?
Whether you're adding new trucks, covering fuel and maintenance costs, or navigating slow-paying clients, our trucking business loans give you the capital you need—without the bank headaches.
Getting a Trucking Business Loan Has Never Been Easier
Apply in Minutes
Skip the long forms and faxes. Trucking doesn’t stop, and neither should you. With Finance Parrot, you can apply online in just a few clicks—whenever and wherever works for you.
Get a Decision Right Away
No more waiting around. As soon as you apply, we match your trucking business with top funding options—so you know exactly where you stand, fast.
Funding as Fast as Same Day
Need cash for fuel, repairs, or a new load? We work with lenders who understand the industry and can fund your account in as little as 24 hours.
See Your Trucking Business Loan Options
Low Rates. Flexible Terms. Easy Process
Business Line of Credit
Flexibility to borrow from a pool of funds. You only pay interest on money that you use.
Equipment Financing
Business loan to pay for new or used equipment like vehicles, machinery or technology.
SBA Loans
Business loans partially guaranteed by the U.S. Small Business Administration.
Merchant Cash Advance
Borrow money that repay via a percentage of your daily credit card sales.
Invoice Factoring
Get cash upfront in exchange for your unpaid invoices. Borrow up to 85% of invoice value.
Explore More Options
Discover all the business loan options that are available to you.
Recently Funded Trucking Companies
We'll Help You Get the Right Loan
Get approved today and have money in your account within as little as 24 hours. No obligation — prequalify without affecting your credit!
Common Questions. Straight Answers.
What types of small business loans are available for trucking companies?
You have several great options depending on your goals:
Equipment financing for purchasing trucks or trailers.
Working capital loans to cover everyday expenses.
Lines of credit for flexible access to cash during slow periods.
SBA 7(a) loans for long-term growth or expansion.
Invoice factoring to smooth out cash flow when waiting on payments.
Each comes with different rates, terms, and requirements—Finance Parrot helps match you to the right fit fast.
What can I use the loan for?
Most trucking business loans can be used for:
Buying or repairing trucks
Fuel and payroll costs
Insurance and permits
Expanding your fleet
Marketing or growing routes
Covering unexpected repairs or slow-paying clients
We’ll help you find funding that aligns with your business goals.
How fast can I get funded?
Some lenders we work with can deliver funds in as little as 24 to 48 hours—especially for short-term working capital or equipment financing. More complex loans, like SBA options, may take longer but offer better terms.
Do I need perfect credit to qualify?
Not necessarily. While stronger credit helps, many trucking company owners qualify with average or even challenged credit. Alternative lenders look at the bigger picture—like revenue, time in business, and contracts on hand.
How do I qualify for a trucking business loan?
Eligibility requirements vary by lender, but most look for:
6+ months in business
Monthly revenue of at least $10,000
U.S.-based operations
Bank statements or financial records
We’ll guide you through what documents you’ll need and help make the process simple.
What’s the difference between traditional and alternative lending?
Big banks often have stricter requirements and slower approval times. Alternative lenders (like the ones we work with) offer faster decisions, more flexible terms, and funding options tailored for real-world operators like you.
Will I need to put up my trucks as collateral?
It depends on the loan type. Equipment financing typically uses the vehicle you’re buying as collateral. Other loans may be unsecured or require a personal guarantee. We’ll help you understand the risks and rewards.
Can I get a loan if I’m an owner-operator or have a small fleet?
Absolutely. Whether you’re a one-person show or managing a growing fleet, there are funding options for you. Many alternative lenders cater specifically to owner-operators and small logistics businesses.
What makes Finance Parrot different from other business loan sites?
We specialize in matching small businesses—especially capital-heavy industries like trucking—with trusted alternative lenders. That means:
No spammy brokers
One secure application
Real funding, real fast
Think of us as your smart shortcut to serious funding.