Capital tuned to how logistics actually run.
- Factor broker receivables to convert AR into same-day cash
- Add power units, trailers, or a yard expansion
- Cover fuel, driver pay, and broker-pay shortfalls during a slow week
- Refinance high-cost MCA stack into a single working-capital facility
- Acquire a smaller carrier or add new lanes ahead of contract awards
Products built for logistics.
The shapes of capital most logistics use — and why each one fits.
Invoice Financing
Freight factoring is the lifeblood of trucking — advance up to 90% of broker invoices on day one.
Learn more →Line of Credit
Flex through slow weeks and pay only on what you draw. Pairs well with a factoring line.
Learn more →Term Loan
Tractor and trailer purchases, yard upgrades, or refinancing higher-cost short-term debt.
Learn more →Revenue-Based Financing
Carriers with strong revenue but tight personal credit often fit RBF where banks pass.
Learn more →“I came off three MCAs that were eating us alive. Thrivewell rolled them into one facility and the weekly debit dropped by 60%.”
Three steps from application to funded.
Apply in 3 minutes
Soft credit pull only. Connect your bank or upload statements — no impact to your score.
Compare real offers
See every product your business qualifies for side-by-side. No estimates, no bait pricing.
Funded fast
Sign electronically and funds typically land in 24 to 48 hours of acceptance.
Logistics financing — common questions.
Is factoring the same as a loan?+
No. Factoring is an advance against an invoice you've issued. You're not borrowing — you're cashing in receivables early. Pricing is per-invoice, not interest-based.
Do I have to factor every invoice?+
No. Most facilities are non-recourse spot or selective factoring — factor the brokers you want, on the loads you want.
I have a stacked MCA — can I refinance?+
Often yes. A working-capital term loan or line of credit can consolidate MCAs into a single, lower-cost facility. We model the savings before you decide.
How are equipment purchases financed?+
Tractors and trailers are commonly financed via a dedicated equipment facility or a term loan. Down payment, term, and rate vary by collateral type and your operating history.
What's the minimum operating history?+
6+ months for most products. Larger SBA-backed facilities typically want 2+ years.
Other industries we fund.
Ready to fund your company's future?
Three minutes to apply. Soft credit pull only. Real, comparable offers — not estimates.