Business Line of Credit
Revolving access to capital. Draw for fuel, repay when loads pay. Interest only on what you use.
- $10K–$500K
- Revolving, 12–24 month renewal
- Prime + 1–5% (variable)
- Best for: recurring fuel, maintenance
WESTVALVE FINANCIAL • WORKING CAPITAL FOR TRUCKING
Working Capital for Trucking Companies.
Lines of credit, fuel advances, factoring, revenue-based financing — fuel, payroll, maintenance, insurance, tolls. Fast funding for trucking fleets.
No obligation to explore your options. Financing is subject to provider approval and program requirements.
WESTVALVE FINANCIALTRUCKING WORKING CAPITAL
FUNDING IN 24-48 HOURS
Capital that keeps wheels turning.
Fuel. Maintenance. Insurance. Payroll. Tolls. The gap between hauling loads and getting paid. We help trucking companies access the capital that keeps fleets moving.
WORKING CAPITAL FOR TRUCKING
Capital for the long haul.
Trucking has unique cash flow cycles — fuel upfront, pay 30-90 days later. We help you access the right product for your freight cycle.
Fuel Advances
Advance on pending invoices specifically for fuel. Same-day funding.
- Up to 90% of invoice value
- Same-day funding
- Fee: 1-3% per advance
- Best for: daily fuel purchases
Freight Factoring
Sell invoices, get paid same day. Non-recourse protects against broker default.
- 1-5% discount fee
- Same-day funding
- Non-recourse available
- Best for: 30-90 day payment terms
Revenue-Based Financing
Repay % of weekly revenue. Payments scale with freight volume.
- Up to 10-15% of annual revenue
- Repay 1.3–1.5x advance
- Payments scale with loads
- Best for: growing fleets, seasonality
WHY TRUCKING CHOOSES US
We understand freight cash flow.
01
Fuel First, Pay Later
Fuel advances let you fill up today, pay when the load delivers. No out-of-pocket fuel costs.
02
Factoring = Same-Day Cash
Sell the invoice, get paid today. Non-recourse protects you if the broker doesn't pay.
03
Maintenance & Insurance Gaps
Line of credit for tire blowouts, engine repairs, annual insurance premiums — unexpected costs covered.
04
Seasonal & Growth Cycles
Revenue-based scales with freight volume. SBA for fleet expansion, facility, or acquisition.
FUEL & FACTORING
Specialized products for trucking cash flow.
Fuel Card + Advance
Universal fuel card + advance on pending loads. Discount at 1,900+ locations.
- Fuel discounts 5-15¢/gal
- Advance up to 90% of load
- No monthly fees
- Best for: daily fuel needs
Non-Recourse Factoring
Sell invoice, get paid today. We take the collection risk.
- 1-5% discount fee
- Same-day funding
- Non-recourse = no chargebacks
- Best for: 30-90 day terms
Line of Credit
Revolving capital for fuel, maintenance, tires, tolls, payroll.
- $10K–$500K
- Revolving, 12–24 month renewal
- Prime + 1–5% (variable)
- Best for: recurring ops costs
Revenue-Based Financing
Repay % of weekly revenue. Payments scale with miles/loads.
- Up to 10-15% of annual revenue
- Repay 1.3–1.5x advance
- Payments scale with loads
- Best for: growing fleets
FLEET CYCLE MATCHING
We match the product to your freight cycle.
01
Fuel Cycle (Daily)
Fuel advances + fuel card. Fill up today, pay when load delivers. 24-hour turnaround.
02
Load Cycle (Weekly)
Factoring converts invoices to cash same day. Non-recourse = no broker risk.
03
Maintenance Cycle (Monthly)
Line of credit for tires, brakes, PM service, breakdowns. Revolving = always available.
04
Insurance Cycle (Annual)
Working capital loan or SBA for large annual premiums. Spread 12-month cost over 12 months.
GET STARTED
Let's keep your wheels turning.
Tell us about your fleet, lanes, and cash flow cycle. We'll match you with providers who specialize in trucking.
FAQ
Questions about trucking working capital.
Can trucking companies get working capital loans?
Yes. Trucking is eligible for all working capital products — lines of credit, fuel advances, factoring, revenue-based financing, and SBA working capital. Lenders understand freight payment cycles (30-90 days). We work with providers who specialize in transportation financing.
What's the best working capital option for fuel costs?
Fuel advances or a business line of credit. Fuel advances advance against pending invoices specifically for fuel purchases. A line of credit lets you draw for fuel when needed and repay when loads pay. Both scale with your freight volume.
Can trucking companies use factoring for working capital?
Yes. Freight factoring is common in trucking — sell invoices at a 1-5% discount, get paid same day. Non-recourse factoring protects you if the broker/shipper doesn't pay. We work with factoring companies that specialize in transportation.
How fast can a trucking company get working capital?
Fuel advances: same day. Factoring: same day. Revenue-based financing: 24-48 hours. Business line of credit: 3-10 business days. SBA working capital: 30-90 days. Speed depends on the product and documentation readiness.
What credit score do trucking companies need for working capital?
Alternative working capital: 500+ credit score. Business line of credit: 600+. Factoring: based on customer credit, not yours. SBA working capital: 680+. Strong accounts receivable and fleet value can offset lower scores.
Can trucking companies use working capital for insurance and maintenance?
Yes. Working capital is specifically designed for day-to-day operations — fuel, insurance premiums (often large annual payments), maintenance, tires, tolls, payroll, and the gap between hauling loads and getting paid.