No Hard Credit Pull · Same-Day Funding Available
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Owner-Operator Business Loans — Funded in 24 Hours

Specialized funding for owner-operator businesses. 70+ lenders compete for your deal — no minimum credit score, no collateral, no hard pull to check your rate.

✓No hard credit pull to check your rate
✓Revenue-based approval, not FICO-based
✓70+ lending partners compete for your deal
✓Funded as fast as same day
$10M
Max Funding
Per deal or stacked
4hrs
Fastest Funded
Same-day available
No Min
FICO Required
Revenue-based approval
70+
Lenders Compete
You pick the best offer
✓ No Minimum Credit Score✓ $10K+ Monthly Deposits✓ 6+ Months Operating✓ No Hard Credit Pull✓ Owner-Operators Welcome

Owner-Operator Financing

Get Your Owner-Operator Business Funded in 60 Seconds

Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.

✓Estimated range appears instantly
✓Auto-advances as you answer — no extra clicks
✓Soft credit pull only — your FICO stays untouched
✓Real specialist reviews your file within the hour
✓No obligation — see your options and decide
Estimate
Revenue
History
Contact

See What You Could Qualify For

Slide to your average monthly bank deposits.

$10K$75K/mo$500K+

Estimated Approval Range

$75K – $113K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

Your Owner-Operator Deal Gets Shopped Across 70+ Lending Partners

BlueVineA Rated
KabbageA Rated
OnDeckA+ Rated
FundboxA Rated
Celtic BankA Rated
Cross RiverA Rated
Ready CapitalA Rated
SmartBizA Rated

+ additional SBA lenders, community banks, credit unions, and specialty finance companies

How It Works

From Application to Funded in 5 Steps

No paperwork avalanche. No bank lobby. No guessing.

📱
1

60-Second Application

Answer 4 questions. No documents needed yet.

🔒
2

Soft Credit Check

Zero impact on your FICO. Score stays untouched.

🏦
3

70+ Banks Compete

Multiple lenders see your deal. Best terms surface.

✅
4

Pick Your Best Offer

Compare rates, terms, and amounts. You decide.

💰
5

Get Funded

Sign digitally. Funds in your account — same day available.

Owner-Operator Capital Uses

What Owner-Operator Businesses Use Funding For

🚛

Truck & Trailer Purchase

Semis, reefers, flatbeds, box trucks, trailers. Finance your next unit without a massive down payment.

⛽

Fuel & Operating Costs

Diesel, DEF, tolls, permits, lumper fees. Bridge the gap between delivery and payment.

📈

Fleet Expansion

Add trucks, hire drivers, take on bigger contracts. Scale without draining your reserves.

🔧

Maintenance & Repairs

Engine rebuilds, tires, DOT inspections, breakdowns. Keep your trucks on the road, not in the shop.

🛡️

Insurance & Permits

Liability, cargo, physical damage, MC authority, IFTA. Cover the costs that never stop.

👷

Driver Hiring & Payroll

CDL drivers, owner-operator settlements, office staff. Fund payroll while you wait on broker payments.

Full Transparency

What Kills Your Qualification (And What Doesn't)

Most lenders won't tell you this upfront. We will.

✅ These Won't Stop You

✓Low personal credit score (no minimum FICO)
✓Owner-operator with a single truck
✓Seasonal or cyclical freight volume
✓Existing equipment loans or leases
✓Currently using freight factoring
✓No collateral beyond your trucks
✓Prior bank denial for financing
✓Independent contractor / 1099 income history

🚫 These Can Be Deal-Breakers

✗Less than $10,000/month in bank deposits
✗Less than 6 months in operation
✗No business checking account
✗Active (undischarged) bankruptcy
✗Negative average daily bank balance
✗Heavy NSF/overdraft activity on statements
✗Revoked MC authority or out-of-service orders
✗Undisclosed existing positions or defaults
Check If I Qualify \u2014 No Credit Impact \u2192

The Next Breakdown Shouldn’t Park Your Business

Fuel spikes. Tire blowouts. Insurance renewals. A truck that needs a $25K engine rebuild on a Tuesday. The difference between an operator who survives these hits and one who doesn’t is a pre-approved credit line ready to deploy. Check your rate while your revenue is flowing.

Check My Rate While My Numbers Are Strong → →

No credit impact · No obligation · 60 seconds

Ready?

See What Your Owner-Operator Business Qualifies For

Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.

✓Estimated approval range appears instantly
✓Auto-advances — no extra buttons to click
✓Soft pull only — FICO untouched
✓70+ lenders compete for your deal
✓No obligation to accept any offer
Estimate
Revenue
History
Contact

See What You Could Qualify For

Slide to your average monthly bank deposits.

$10K$75K/mo$500K+

Estimated Approval Range

$75K – $113K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

Other Trucking Companies Specialties We Fund

Click any specialty for tailored financing options.

OTR / Long HaulFleet (2-10 Trucks)Refrigerated / ReeferFlatbed / Heavy HaulHotshotBox Truck / Last MileDump TruckAuto TransportCourier / DeliveryTankerMoving / RelocationAll Trucking Companies →

FAQs

Owner-Operator Business Loan FAQs

Stop Waiting on Banks. Get Your Owner-Operator Business Funded Today.

60 seconds. No credit impact. No obligation.

See What I Qualify For →

No hard credit pull · Free to check · Nationwide

See What I Qualify For \u2014 60 Sec \u2192