Florida has 31,450 registered owner-operators. Dispatched has matched 208 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-95 Jacksonville–Miami and the I-10 Jacksonville–Tallahassee. When your revenue dips because the lane dipped, underwriters on our panel know the difference between a soft month and a struggling business.
Hurricane season staging and Port of Jax container surges compress your schedule June–October. That shows up as Q3 revenue lumpiness and above-average tire replacementon your P&L. We account for it in the file we send to lenders, so “revenue dropped in October” reads as seasonality, not risk.
14 lenders on our panel are actively funding Florida-registered carriers this quarter, including First Coast Commercial and Sunshine State Working Capital. They already know how your DOT and MC numbers look when everything's in order.
Most Jacksonville owner-operators who come through us were turned away by the same two or three Floridabanks. 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 Floridaowner-operators haven't filed the way a bank wants to read it. Our lenders read bank statements instead — and accept Florida IFTA returns as revenue verification.
A Jacksonville-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 RTS Financial or similar, our lenders already have those statements in their pipeline format. It counts.
Dispatched's median time to funds in Florida over the last 90 days is 31 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.
Paid out-of-pocket DEF-system repair after a breakdown on I-95
Bridged a 30-day receivable gap with a Savannah-based shipper
Bought a used trailer to bid on a Port of Jacksonville intermodal lane
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 Florida operator uses. No Jacksonville-specific form. We route you to the right lender behind the scenes.