How does Dispatched match operators to lenders?

The intake form collects the underwriting fields lenders care about — monthly business deposits, time in business, FICO band, equipment type, and what the funds are for. The matching engine routes the application to the lenders on the panel whose published appetite rules accept the operator's profile. The operator sees a shortlist of 2 to 4 matched lenders and picks one to move forward with.

Where do the panel APR ranges come from?

The 14% to 34% working-capital range and 9% to 18% equipment-loan range are the observed band of APRs that lenders on the Dispatched panel have actually quoted to funded borrowers over the trailing 12 months. The ranges are not a forecast and not a guarantee — they are descriptive of what the panel has done. Bands are reviewed quarterly and updated when the underlying data shifts materially.

What underwriting signals do the panel lenders weight most?

For working capital and repair loans: monthly business deposits, deposit consistency over the trailing 3 to 6 months, debt service coverage ratio (DSCR), and time in business. FICO is secondary. For equipment loans: the asset's appraised value and remaining useful life, the operator's down payment, and revenue. For factoring: the broker's credit, not the operator's.

Is Dispatched a direct lender?

No. Dispatched is a matching platform. Loans are originated and funded by the lenders on the panel. Dispatched is paid a referral fee by the lender on funded loans — the operator pays nothing to apply, match, or receive a term sheet. Dispatched is also not a direct insurer; insurance quotes route to a named producer partner.

How is the lender panel curated?

Lenders are vetted on three dimensions before joining the panel: licensing and disclosure compliance in the states they fund, transparent fee and APR disclosure on term sheets, and willingness to underwrite trucking-specific signals (DOT, MC, settlement statements) instead of generic small-business templates. Lenders that price-gouge or bury fees in the fine print are removed from the panel.

Does Dispatched accept compensation that biases the match?

Lenders pay Dispatched on funded loans, but the matching engine routes on appetite fit, not on pay rate. The shortlist returned to the operator is the set of lenders whose published appetite accepts the operator's profile — it is not sorted by which lender pays Dispatched the most. Operators always see at least 2 lenders to compare, where 2 or more pass appetite.

How often are the rate ranges and program rules updated?

The panel APR ranges are reviewed quarterly against the trailing 12 months of funded-loan data. Program rules (FICO floors, loan amount bands, document requirements) are updated within 14 days of a material panel change — for example, if a lender exits the panel or changes their FICO floor. Updates are reflected on this page and on the affected money pages.

Methodology

How Dispatched defines, sources, and refreshes what it publishes.

Authored by Angelo Orru Neto, Founder · Last updated May 10, 2026

Two surfaces, one discipline. Trucking finance content sticks to structural promises about how the application flow works and to ranges anchored to observed lender pricing. Commercial trucking insurance content anchors every premium band to a named operator profile and a public state Department of Insurance filing.

Trucking finance

What every claim on the trucking finance home means

The trucking home publishes a small set of facts: a working capital range, three structural promises about the application flow, and a set of composite scenarios. We do not publish a “median time to funds” figure or a rolling 30-day funded total until the data layer can derive it from real signed-application and funding events. The promises below are what we are willing to stand behind today.

What we measure

The structural facts published on the home

Soft-pull match.Dispatched runs a soft credit inquiry to find lender matches. Soft inquiries are not visible to other lenders and do not affect the borrower's credit score. This is a property of the application flow, not a statistical claim.
One hard pull, only with the lender you pick. A hard credit pull happens after the borrower selects a specific lender and moves forward on that lender's term sheet. Multiple hard pulls inside a 14-day rate-shopping window count as a single inquiry under standard credit-bureau policies.
Wire same banking day after lender sign-off. Same-banking-day wires occur when the chosen lender signs off and the wire instruction lands before the partner bank's cutoff. Wires that miss the cutoff settle the next banking day; weekend and federal-holiday wires settle the next banking day. This is constrained by the Federal Reserve's wire window and partner banking cutoffs, not a Dispatched-controlled throughput target.
$25K–$250K working capital range. Reflects offers issued by panel lenders to qualified trucking borrowers. Actual approval depends on monthly revenue, time in business, credit band, and lender underwriting. Some borrowers qualify for less than $25K or more than $250K via separate products not shown on the landing page.
Composite illustrative scenarios.Cards on the home labeled “composite scenarios” are illustrative examples constructed from the categories and amount bands our intake commonly sees. They do not represent specific borrowers, transactions, or guaranteed outcomes.

Finance rates

How we describe APR ranges

Two APR bands appear in the marketing FAQ: 14% – 34% APR for working capital and 9% – 18% APRfor equipment loans secured by the truck. These are observed panel ranges — the spread of pricing the lenders on our routing panel currently quote to qualified trucking borrowers. They are not Dispatched-set rates, guarantees, or pre-qualifications. The exact APR a borrower sees is set by the chosen lender on the term sheet and depends on revenue, time in business, credit band, and the lender's own underwriting.

Working capital APRs vary widely because the product covers short-term lines and longer-term term loans across multiple underwriting models. Equipment loan APRs are tighter because the truck itself is the collateral and pricing is more standardized. We do not publish an “average” APR within either band — averages compress meaningful credit-band variance and would mislead borrowers above and below it.

Composite scenarios

How we label illustrative scenarios

The four cards in the “What a Dispatched-funded request actually looks like” section on the home are illustrative composites. Each is built from the kinds of repair, payroll, equipment, and bridge-capital requests our intake routinely sees, paired with a realistic loan-amount band and the borrower-archetype the request typically comes from. They are not specific transactions and are not anonymized real loans.

When the data layer can produce real anonymized funded-loan records with a stamped sourcing date, we will replace these composites with real records and re-label the section to make the change explicit. Until then the section is labeled “Composite scenarios” and every card carries an “Illustrative” badge so readers can place the content correctly.

What we do not publish

Numbers we keep off the marketing surfaces until they are real

Rolling-window funded totals(e.g., “$XM funded in the last 30 days”). Will publish only when derived from signed-application and funding events with a computation date stamped in the data layer and an independent monthly verification step.
Median time to funds. Will publish only when derived from real lender-signed-application and ACH-settled funding events across a defined trailing window, with the computation date and exclusions disclosed inline.
Panel-size counts(e.g., “X lenders on our panel”). Currently described qualitatively (“trucking-friendly lenders on our panel”) until the panel registry is published with last-verified dates per lender.

Refresh

When the finance content changes

Structural promises change only when the application flow changes — for example, if the soft-pull behavior, the one-hard-pull rule, or the wire-timing constraint changes. The loan range and APR bands are reviewed at least quarterly against actual lender-issued offers on the routing panel and updated if the observed band shifts materially.

Commercial trucking insurance

How we source and publish commercial trucking insurance rates

Every premium band on this site is anchored to a named operator profile and a public state Department of Insurance filing. We do not invent rates, we do not paraphrase regulators, and we do not ship a programmatic page until the editorial body and reviewer attestation are in place.

Sourcing

Where the rate observations come from

Phase 1 ships with three source classes. Each is labelled distinctly on every page that uses it; the eyebrow on the rate band and the disclosure paragraph beneath it tell you which one you are reading.

State DOI filing.Sampled directly from a public Department of Insurance rate filing for the named state. The strongest source class. The eyebrow reads “Sampled premium band — state DOI filing”.
Carrier-published guidance.Sourced from a carrier's own publicly-disclosed rate ranges (commercial-marketing pages, owner-operator FAQs). Used as a transitional proxy when we have not yet extracted a state-specific filing. The eyebrow reads “Indicative band — carrier-published guidance”.
National-average proxy.Sourced from industry surveys (e.g., ATRI operating-cost reports). Used when no state or carrier source is available. The eyebrow reads “Indicative band — national-average proxy”.

We are not licensing a paid wholesale broker rate feed in Phase 1. That decision keeps every number on the site auditable against a regulator-published or carrier-published source and avoids the temptation to paper over coverage gaps with vendor-proprietary numbers we cannot show. Proxy bands (carrier-published, national-average) carry an explicit note that a state-specific filing is pending and will replace the proxy when extracted.

Sampling profiles

The operator scenarios our premiums are anchored to

A premium band is meaningless without the operator profile it was sampled against. Below are the named profiles. Every premium band on the site references one of them by id, and the profile is reproduced verbatim on the page that uses it.

Owner-operator, clean MVR, Class 8 tractor, general freight

Driver: 42-year-old owner-operator, 5+ years CDL, clean motor vehicle record, no at-fault accidents in 36 months, valid medical card
Vehicle: 2020 model-year Class 8 tractor (e.g., Freightliner Cascadia), with company-owned trailer
Coverage: $1M primary liability, $100K motor truck cargo, $1,000 deductible on physical damage at $120K stated value
Operations: 500-mile radius, general freight (non-hazmat), under MC authority, weekly average 2,200 miles

3-truck fleet, mixed drivers, Class 8 tractors, general freight

Driver: Drivers averaging 8 years CDL experience, fleet MVR with no major violations in 24 months
Vehicle: Three 2018–2022 Class 8 tractors with company trailers, average $110K stated value per unit
Coverage: $1M primary liability per occurrence, $100K cargo, $1,000 deductible on physical damage
Operations: Regional 750-mile radius, general freight, under fleet MC authority

Hot-shot owner-op, Class 5 dually with gooseneck, expedited freight

Driver: 38-year-old owner-operator, 3+ years CDL, clean MVR, hot-shot endorsement
Vehicle: 2021 Class 5 dually pickup with 40-ft gooseneck trailer
Coverage: $750K primary liability (FMCSA minimum for non-hazmat under 26K GVWR is lower; carrying $750K is industry norm), $50K cargo
Operations: Expedited / partial loads, 1,000-mile radius, mix of broker-load-board freight

Box truck owner-op, Class 6, local delivery

Driver: 35-year-old, non-CDL where allowed (under 26K GVWR), clean MVR, 4 years driving
Vehicle: 2021 Class 6 box truck (24-26 ft body), $65K stated value
Coverage: $1M primary liability, $25K cargo, $1,000 deductible physical damage
Operations: 100-mile radius, local delivery / last-mile, no overnight runs

Refresh cadence

When numbers on the site update

Each rate observation carries a sampledAt date. When the underlying DOI filing changes, the observation is re-sampled and the date advances. Pages display the sampling date in the byline, and any page whose latest observation is older than 12 months is flagged for re-sampling before any monetization decisions are made on it.

FMCSA rule and federal-minimum-limit changes are tracked separately. Any change to 49 CFR Part 387 minimums is reflected in the product hub on or before the rule's effective date.

Publication discipline

When a programmatic page is allowed to ship

A state-by-DOT-class money page is only generated when its entry exists in our internal money-page index. The index is not auto-populated by the data layer; an entry is added by a human after the editorial body is written, the data is sourced, and an expert reviewer has signed off on the page. Until that entry is added, the URL returns a 404 — not a thin or placeholder page.

When a product×state×DOT-class combination has not yet been sampled, the corresponding money page renders an explicit “rate band pending” notice rather than a fabricated number. Carrier listings on those pages are sourced from the carriers' own appointment and license footprints, and they are unaffected by a pending rate band.

Carrier ratings

How we display AM Best ratings

An AM Best rating is shown on a carrier row only when a specific human has verified it on ambest.com and stamped the verification date in the data layer. Where the row reads “Pending verification”, we have not completed that step — it is not a statement that the carrier's rating is missing or weak. Carriers that AM Best has classified as Not Rated will be displayed as such once the data layer distinguishes “not rated” from “not yet verified by us”.

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