Trucking capital built for owner-operators.
No collateral. Bank decline is okay. We match you with trucking-friendly lenders who fund owner-operators and small fleets.
No hard credit pull to start. Takes about 2 minutes.
- DOT numbers
- ELD miles
- Settlement statements
- Factoring agreements
- Repair shops
- Fuel float
- Broker delays
Funding for the moments that keep your wheels turning.
Repair, cash flow, equipment, factoring, and insurance options in one place.
- RepairTruck repair loansGet back on the road fast.
- Cash flowTrucking financingWorking capital, equipment, repair loans, and more.
- EquipmentEquipment financingFinance trucks, trailers, and gear.
- FactoringInvoice factoringGet paid in 24 hours, not 60.
- InsuranceCommercial truck insuranceCompare trucking coverage options.
- $25K–$250KLoan range
- 24–48 hrsTypical time to funds
- Soft-pull firstNo impact on credit
How the money moves.
Five steps, in order. One soft check. One hard pull, and only from the lender you pick. The mechanism is the reason we’re not a broker.
Trucking-friendly lenders on our panel.
Built for trucking.
We only fund freight. Every lender on our panel knows what a DOT number, ELD, and factoring agreement are before you start typing.
- Fuel advances & cash flow — 24-hour turn
- Truck repair loans — paid direct to your shop
- Owner-op and 2–10 truck fleet working capital
- Equipment loans on Class 8 tractors & trailers
The lender pays us, not you.
When a matched lender funds your loan, they pay Dispatched a flat referral fee. It’s disclosed on every term sheet. It does not change your APR.
- No broker points. Zero to you
- Flat fee, disclosed on every term sheet
- Lenders compete on rate and speed, not commission
- One contact. No 7am calls from seven desks
One hard pull.
Only after you pick a lender. Until then it’s a soft match: lenders see your file, you see their offers, and your credit report stays untouched.
- Soft-pull match. No impact on your credit score
- One hard pull, only with the lender you choose
- Wire same banking day after lender sign-off
- No in-person closings. E-sign from the cab
Banks weren’t built for owner-operators.
Your revenue is real. The problem is that most bank forms don’t understand freight. Three structural reasons banks say no to working owner-operators and small fleets — none of them about whether you can repay.
DSCR on two years of tax returns.
Banks run debt-service-coverage on your last two 1040s. One slow quarter, a big truck repair, or a write-off year — the formula spits you out even when the business is healthy.
Sole-prop doesn't fit their forms.
Regional banks underwrite to W-2 balance sheets. A Schedule C with $180k net, a sole-prop EIN, and a truck on lien doesn't fit the commercial-lending workflow they were built for.
Stacking declines compound the problem.
A bank decline lands on your file as a negative mark. The next bank sees it, declines faster, and you lose two weeks per application chasing no's that were already predictable.
What a Dispatched-funded request actually looks like.
Composite illustrative scenarios — not specific borrowers. Each card is built from the kinds of repair, payroll, and equipment requests our intake routinely sees.
Owner-op, 1 truck
Engine rebuild on a 2019 Cascadia after a coolant failure outside Amarillo.
Fleet owner, 4 trucks
Fuel float during a slow January before dedicated lanes kicked back in February.
Owner-op, 1 truck
Down payment on a used reefer trailer to pick up produce lanes out of Salinas.
Fleet owner, 7 trucks
Covering payroll after a broker default on a sizable receivable. Bank said no.
Commercial trucking insurance, by product and by state.
Compare primary liability, motor-truck-cargo, and the rest of the coverage stack across the carriers writing your DOT class — with the regulatory context that actually moves rates state to state. Same operator-first reporting discipline as the financing side.
14% – 34% APR. For equipment loans secured by the truck, rates typically run 9% – 18% APR. These are observed panel ranges, not guarantees — see methodology. You’ll see the exact APR, term length, and total cost on every term sheet before you sign — no bait-and-switch.500 FICO. Lenders on our panel go lower than most banks because they underwrite on revenue and equipment, not just credit. Below 580, expect rates on the higher end of the range and a tighter maximum. Above 680, you qualify for our full product set. For operators below 500 or actively in a credit event, factoring with no credit check on you is often the right product — the factor underwrites the broker who owes the invoice, not the operator.soft pull — it does not show on your credit report and does not affect your score. A hard pull only happens once you pick a lender and move forward on their term sheet. If you shop around, the hard pulls fall inside a 14-day rate-shopping window and count as one inquiry.