Dispatched · Lenders directory
12 curated trucking lenders covering factoring, equipment financing, working capital, and asset-based lending. Filterable by state and use case. Updated May 2026.
Lender fit follows operator profile. Pick the use case that matches your operation — single-truck owner-operator vs. mid-fleet, new authority vs. seasoned, clean credit vs. recovering. The rate gap between lenders inside the wrong use case is much larger than the rate gap between lenders inside the right one.
Each card names the lender's strength and the trade-off you accept by choosing them. Links open the lender's own site in a new tab; we do not get paid for these placements.
Best for: owner-operators · Founded 1995 · HQ TX
Three decades of owner-operator factoring with instant 24/7/365 funding via blynk® and the deepest fuel discount in the market (operator-reported ~51¢/gal at participating chains). 12-month auto-renewing contract with a 30-day cancellation window is the main trade-off.
Products: Factoring · Equipment financing
Best for: mid-fleets and brokers · Founded 2006
Largest North American freight factor by volume with deep mid-fleet and broker products plus ABL and equipment financing under one roof. Fee transparency and contract-exit complaints are the most common review themes — read the schedule in writing before signing.
Products: Factoring · Working capital · Asset-based lending
Best for: high-volume fleets · Founded 1995 · HQ KS
Trucking-native factor with a solid fuel-card network and broker-credit tool sized for 10–50 truck fleets. Does not edge out Apex on owner-operators or eCapital on the largest fleets, but a fair quote-against for mid-sized operators.
Products: Factoring
Best for: non-recourse + ABL graduation · Founded 2004 · HQ TX
Strongest non-recourse program on the list — built around broker-credit risk as a core product, not a bolt-on. Owned by publicly traded Triumph Financial, which keeps pricing disciplined but rigid; the 12-month contract auto-renews.
Products: Factoring · Asset-based lending · Insurance premium financing
Best for: new-authority operators · Founded 1968 · HQ OK
Funds brand-new MC numbers in their first 30 days where most factors require 90+ days of broker history. Supportive of post-bankruptcy operators and includes a fuel card plus dispatch support; customer service is functional rather than high-touch.
Products: Factoring
Best for: transparency-first owner-operators · Founded 2011
No minimum volume and no minimum contract — spot factoring on the loads you choose with everything else in-house. Per-invoice rate (2.5–5%) is higher than full-ledger factoring, so the math only works if you factor selectively.
Products: Factoring
Best for: bad-credit owner-operators
Explicit no-personal-credit-check option for sub-580 FICOs, recent bankruptcies, and thin-file operators — they underwrite the broker, not the trucker. No fuel program and a 90% advance cap raise the effective cost vs. Apex or eCapital.
Products: Factoring
Best for: Truckstop load-board users
Native factoring product inside the Truckstop load board — invoices flow from booked loads into the factoring queue without re-entry. Higher headline rate (3.25%+) than Apex or Triumph; the integration value disappears if you do not run loads through Truckstop.
Products: Factoring
Best for: small-to-mid fleets · HQ TX
Broad SMB factoring desk with a trucking-specific team and open underwriting for operators other factors decline. Trade-off: not trucking-specialized in the way Apex, TBS, and Triumph are — the fuel program and broker-credit tooling are thinner.
Products: Factoring · Asset-based lending
Best for: long-history factoring relationships · Founded 1969
Legacy factor since 1969 with a national branch network — the only major factor on this list with in-person branch relationships. Technology stack (instant payment, mobile capture) is dated relative to Apex, eCapital, and Truckstop Go.
Products: Factoring · Working capital
Best for: tech-forward SMB owner-operators · Founded 2013
Tech-forward online lender offering revolving lines of credit up to $250K with same-day decisioning for clean files. Not trucking-native — works for owner-operators with strong personal credit and clean bank statements, but the underwriting does not flex for thin-file or new-authority profiles.
Products: Working capital · Asset-based lending
Best for: marketplace shopping across multiple lenders · Founded 2011
Lender marketplace that shops a single application across 75+ partner lenders for term loans, lines of credit, and equipment financing. Convenient for first-pass shopping; the downside is generic SMB underwriting rather than trucking-specific products from any single desk.
Products: Working capital · Equipment financing
Every lender in this directory serves all 50 states plus DC. The state pages aggregate the same 12 lenders with state-specific operational context — IRP base state, IFTA filing, UCR, state DOT, and state-specific commercial-financing disclosure rules where they exist (notably California SB 1235).
Start with use case, not headline rate. An owner-operator with a single truck and 8,000+ gallons of annual fuel needs a different lender than a 25-truck fleet with concentrated broker exposure. Match your authority age, credit profile, broker mix, fuel volume, and capital need to the lender purpose-built for that profile. The contract terms — auto-renewal, cancellation window, UCC-1 release timing — matter more than the advertised rate.
Five categories: invoice factoring (cash on broker-paid invoices), equipment financing (truck and trailer loans), working capital (term loans and revolving lines), asset-based lending (revolving lines collateralized by receivables and equipment), and insurance premium financing (monthly-pay structures for annual insurance premiums). Most operators end up with at least two — a factor plus an equipment lender — and the largest fleets layer ABL on top.
Two reasons. First, generalist SMB lenders (Bluevine, Lendio) sometimes price better than trucking-native lenders for operators with strong personal credit and clean bank statements. Second, marketplaces like Lendio shop a single application across 75+ partner lenders, which is useful for first-pass discovery even if the underwriting that follows is generic. We name the trade-off in every entry so you can decide whether the generalist economics work for your file.
Yes. All 12 lenders in this directory are nationwide — they serve all 50 states plus DC. State-by-state pages exist because state-specific compliance (IRP base state, IFTA filing, UCR, state DOT and operating authority) changes the practical answer to 'which lender fits my operation'. The lender list is the same; the operational context is local.
We refresh editorial copy quarterly and re-validate the lender list every six months. Rates, contract terms, and fuel-program economics move faster than we can publish them, so treat the directory as a structural guide — not a live rate sheet. Always confirm current pricing and contract terms with the lender directly before signing.
The directory is the upper-funnel layer. If you are ready to move on financing or factoring, start the matching flow — soft pull, no credit impact to begin. We route you to the lender panel matching your authority age, credit profile, and capital need.
Soft pull, no credit impact. Routed to the lender panel matching your authority age, credit profile, and capital need.
Honest ranking of 12 freight factors by use case — owner-operators, fleets, new authority, bad credit, non-recourse, and tech integration.