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.