Funding for carriers who are paid 45 days after the load delivers.
Fuel, repairs, insurance down payments and the next truck. Advances, equipment financing and lines of credit for carriers, owner operators and freight brokers. Apply in two minutes with no hard credit pull.
Applying won’t affect your credit score. Accepting an offer may involve a hard inquiry.
Why this industry runs short.
A load delivers on Monday. The rate confirmation says the broker pays in 30 days, the broker's accounting department says 45, and the fuel for the next load has to go in the tank on Tuesday. That is the whole business in one sentence. A carrier can be profitable on paper every single month and still be unable to dispatch, because the money is sitting in somebody else's receivables.
New Jersey makes the squeeze tighter than most places. The Port Newark and Elizabeth terminals, the Turnpike corridor and the warehouse belt from Carteret up through Secaucus mean the loads are there. So is the cost of standing still: tolls, insurance that has to be paid annually or quarterly rather than when it is convenient, parking that is scarce and expensive, and a CDL driver market where a driver who is not paid on Friday drives for someone else on Monday.
Then there is the repair that does not schedule itself. A turbo, a transmission, an after treatment system. The truck is the business. A truck in a shop for two weeks is not a slow month, it is a zero month, and the note is still due.
That is the gap funding is for. Money against the deposits already moving through the account, in days rather than the months a bank needs, structured so the remittance comes out as the loads settle.
Here is what Batch does about it. Money against the deposits already moving through the account, on a schedule that fits how this industry actually gets paid. Read about how we fund businesses, or keep going for the numbers.
The six reasons this phone rings.
The money is not earmarked. These are the six things it usually goes to.
Fuel and tolls between settlements
The load is booked and the lane is good. The fuel, the tolls and the driver's advance all come out before anyone pays you. An advance covers the spread between dispatch and settlement.
A major repair
An engine, a transmission or an after treatment system takes a truck off the road for weeks. Fund the repair now and keep the truck earning instead of parked waiting on cash.
Insurance down payments
Primary liability and cargo want a large payment up front at renewal. Funding spreads what the carrier would otherwise have to find in one week.
Buying the next truck or trailer
A second truck is a second revenue line. Equipment financing uses the truck itself as the collateral, so the asset carries its own note.
Payroll and driver recruiting
Drivers are hired on Friday money, not on next month's receivables. Cover the first pay cycles when you add a driver to take more freight.
Authority and startup costs
A new motor carrier authority comes with insurance, an ELD, plates and a first month with no settlements behind it. Funding bridges the opening stretch.
Four ways to fund it, side by side.
Our panel's terms as of 2026-09-28. Every offer you receive shows the payback amount and the Estimated APR next to each other.
| Amount | How you pay it back | Typical time to funds | Best for | |
|---|---|---|---|---|
| Merchant cash advance | $5,000 to $2,000,000 | A fixed daily or weekly remittance until the payback amount is met. Factor rate 1.25 to 1.50, with the Estimated APR shown on every offer. | As fast as same day1 | A short gap with a known end |
| Business line of credit | Set per file by the provider | Draw what you need. Interest only on what is outstanding, weekly or monthly. | As fast as 1 to 3 days1 | A gap that keeps coming back |
| Term loan | Up to $5,000,000 through our bank partner | Fixed payments over up to 12 years, from 8.77% APR | As fast as 3 to 7 days1 | A planned investment with steady deposits behind it |
| Equipment financing | Set by the vendor quote | Monthly payments over 2 to 7 years. The equipment is the collateral. | As fast as 2 to 5 days1 | A machine, a vehicle or a buildout |
Figures as of 2026-09-28.
Run the arithmetic.
Every figure below is computed by the same math the desk prices an offer with. Every figure is an estimate, not an offer.
The owner operator with a blown turbo
The truck is in the shop and the quote is $14,000. An advance of $15,000 at a factor of 1.35, remitted weekly over four months.
- Estimated advance
- $15,000
- Estimated payback amount
- $20,250
- Estimated cost of capital
- $5,250
- Estimated weekly remittance
- $1,191.18 for 17 weeks
- Estimated APR
- 185% (actuarial); simple annualized 107%
Two weeks parked costs more than the cost of capital on this advance. The truck goes back on the road this week and remits out of the loads it runs.
Estimates only. Your offer depends on the funding provider’s review of your statements.
The six truck fleet taking a contract
A dedicated lane needs two more drivers and the fuel to start. An advance of $60,000 at a factor of 1.30, remitted daily over six months.
- Estimated advance
- $60,000
- Estimated payback amount
- $78,000
- Estimated cost of capital
- $18,000
- Estimated daily remittance
- $600.00 for 130 business days
- Estimated APR
- 109% (actuarial); simple annualized 60%
The contract is the repayment. The remittance comes out as the settlements land, and the fleet is running eight trucks instead of six when it is done.
Estimates only. Your offer depends on the funding provider’s review of your statements.
No hard credit pull to apply.
Estimates only. Results depend on the figures you entered and standard assumptions. This is not an offer or a guarantee of funding, does not determine eligibility, and should not be relied on as an accurate statement of the terms available. Actual terms depend on underwriting.
Five things your file is read for.
A funder does not read a business plan. It reads the bank statements. Here is what it looks for, in the order it looks.
- 01
Deposits into the business account
A funder reads the deposits, month by month. Settlements that land in a personal account cannot be counted. Run everything through the business account for 3 months before you need the money.
- 02
Time with the authority
3+ months opens the door and 6 months is typical. A brand new authority is not impossible, but it is a smaller advance at a higher factor.
- 03
Existing advances
A remittance already coming out of the account changes every offer on the panel. Say so up front. It is visible in the statements on the first page anyway.
- 04
Negative days and returned items
Up to 5 returned items and 5 negative days a month is workable across our panel as of 2026-09-28. More than that narrows the field rather than closing it.
- 05
What the money is for
A repair invoice, a truck quote or an insurance renewal notice attached to the file changes the conversation. A funder prices a known use of funds better than a blank one.
Do you meet the basics?
- 3+ months in business (6 typical)
- $10,000+ a month in deposits into the business account
- Credit of 500+, checked with a soft pull
Our panel’s floors as of 2026-09-28. Meeting them does not guarantee an offer. Missing one does not always rule you out.
Written for the operation, not the category.
Each one gets paid on its own rhythm. The funding should match it.
Owner operators
One truck, one driver, every cost personal. The fastest money and the smallest files. Deposits tell the story better than a credit score does.
Small fleets
Three to twenty five trucks. The classic file for a working capital advance: real deposits, real receivables, a repair schedule that will not wait.
Freight brokers
You pay the carrier in days and get paid by the shipper in weeks. The spread is the entire problem, and it is exactly what a line of credit is built for.
Box truck and last mile
Amazon DSP, final mile contracts and regional delivery. Contracted revenue reads well in the statements and funds cleanly.
Flatbed and specialized
Higher rates, heavier equipment, bigger repair bills. Equipment financing and advances usually run side by side here.
Refrigerated
Reefer units, fuel for two engines and produce season all at once. Seasonal swings read fine once a funder knows the lane.
Funded in four steps.
Apply in two minutes
A short application on this site. No hard credit pull to apply.
Send three months of statements
Business bank statements, a voided check and a government ID. Add the quote or contract if the money is for something specific.
Compare offers, true cost side by side
Every offer shows the payback amount and the Estimated APR next to each other, whatever the product.
Get funded as fast as same day¹
Accept the offer that fits. The funds land in the business account.
Matt reads the file himself, the same day it comes in. He looks at the deposits, the balance days and whatever the money is for, and he calls you with a straight read on what the panel will do. If the file is a fit, it goes to the funders who write your industry and your size. If it is not a fit yet, he tells you what to fix and when to come back.
Offers come back side by side. Each one shows the amount, the payback amount, the remittance schedule and the Estimated APR in the same place. You pick one or none. Nothing is signed until you say so.
What trucking and logistics ask before they apply.
Batch Capital places working capital advances, equipment financing and lines of credit for trucking companies, owner operators and freight brokers, sizing each file on the deposits that reach the business account rather than on the invoices still outstanding.
Can I get funded as an owner operator with one truck?
Is this the same as factoring my invoices?
Can I get funded with a brand new authority?
Does a CDL or safety record affect the offer?
How fast can a repair get funded?
Can I finance a used truck?
Tell us what the money is for. We will place it.
Two minutes to apply, no hard credit pull, and a person in New Jersey who picks up.
Reviewed by Matt Curran, Director of Batch Capital
Matt runs Batch Capital's underwriting desk. He reads every file himself, prices it the way it will actually be funded, and tells a business what it can get before anything is signed. He also runs the nurture program that turns a declined merchant into a fundable one.
Last updated · Batch Capital, NJ · +1 (201) 937-9628
This page is general information, not financial, legal or tax advice. Talk to your accountant or attorney about your own situation.
Batch Capital
NJ
Mon to Fri, 8 AM to 6 PM Eastern
Batch Capital funds advances directly and also places applications with funding partners. On a partner-funded file the partner sets the terms and may pay Batch Capital.
1 Timing depends on the funding provider and how quickly documents arrive. Files with a complete application and three months of statements received before 2 PM Eastern on a business day are the ones that decide and fund fastest. Not every file funds in a day.