California has 21,600 registered owner-operators. Dispatched has matched 138 of them with capital in the last 90 days.
We're not a national form tuned for averages. The lenders on our panel price your business the way a local underwriter would — because that's usually who's funding it.
We track deadhead rates, backhaul availability, and seasonal demand on I-5 Central Valley and the SR-99 Bakersfield–Sacramento. When your revenue dips because the lane dipped, underwriters on our panel know the difference between a soft month and a struggling business.
Otay Mesa cross-border drayage to Tijuana plus marine-air corrosion drive higher chassis and brake-system service frequency. That shows up as border-wait dwell and recurring corrosion-related component replacementon your P&L. We account for it in the file we send to lenders, so “revenue dropped in September” reads as seasonality, not risk.
12 lenders on our panel are actively funding California-registered carriers this quarter, including Central Valley Commercial Finance and Pacific Freight Capital. They already know how your DOT and MC numbers look when everything's in order.
Most San Diego owner-operators who come through us were turned away by the same two or three Californiabanks. Not because they're bad borrowers — because of how banks underwrite.
The lenders on our panel underwrite the business, not just the FICO. Your BOLs, factoring history, fuel card, and 1099s tell a story a bank's credit model was never built to read.
Half of Californiaowner-operators haven't filed the way a bank wants to read it. Our lenders read bank statements instead — and accept California IFTA returns as revenue verification.
A San Diego-registered tractor is a balance-sheet risk to a bank. To our lenders, it's a working asset they've seen a thousand times.
If you're factoring through OTR Capital or similar, our lenders already have those statements in their pipeline format. It counts.
Dispatched's median time to funds in California over the last 90 days is 34 hours. From the chat to the wire.
Three anonymized matches from the last 90 days. Amounts and time-to-funds are actuals — names are not.
Replaced corroded brake chambers and air dryer after a coastal audit
Bridged 45-day receivables on a maquiladora cross-border lane
Down payment on a sleeper to add LA–San Diego port-drayage capacity
We're a matchmaker, not a lender. Your information only goes to lenders whose criteria you already fit — never to a broker pool, never sold, never to a scraper.
You tell our AI Capital Advisor what the money is for. No forms, no 40-field PDF.
We check eligibility without a hit to your score. Hard pulls only happen once you pick a lender and agree.
Typically 2–4 lenders whose criteria you fit — not a blast to a broker pool. No 7am phone calls from people you never spoke to.
APR, total cost, payment schedule, prepayment terms. Plain language. You pick, or you walk.
Can't find it? Call (555) 010‑4477 — someone who funds trucking for a living will pick up.
Same universal intake every California operator uses. No San Diego-specific form. We route you to the right lender behind the scenes.