Transportation Business Funding
By Anthony Collin, CEO, Smart Business Funding | Updated October 7, 2026
Fuel, repairs, insurance and driver payroll come due whether or not the next load is paid yet. Smart Business Funding gives transportation companies working capital with offers usually in 1 to 5 hours, so your vehicles keep moving. Learn how a merchant cash advance works, with fixed daily or weekly payments and a total payback you know up front.
How transportation companies use working capital
From delivery vans to passenger shuttles, fleets share the same pressure: high fixed costs and revenue that arrives on a delay. These are the most common uses of funding.
Fuel and operating costs
Cover fuel, tolls and dispatch costs while you wait on customer payments.
Repairs and maintenance
Keep vehicles on the road with tires, brakes, engine work and scheduled service.
Insurance and permits
Handle large commercial insurance premiums, licensing and permit renewals.
Driver payroll and hiring
Pay drivers on time and add staff to take on new routes and contracts.
Vehicle down payments
Put money toward a new or used vehicle. For full purchases, see equipment financing.
Slow-season cash
Smooth out gaps in delivery, moving, tour or shuttle demand.
How funding works for transportation business owners
Apply online
Fill out one short application. It takes about two minutes and uses a soft credit pull only.
Review your offer
On a complete file, offers usually come back in 1 to 5 hours. We show the amount, factor rate, fees and payment up front.
Get funded
From application to funding usually takes 24 to 48 hours. Payments are a fixed daily or weekly amount.
What to know before you apply
- Funding from $10,000 up to $5,000,000
- At least 1 year in business
- At least $5,000 in monthly revenue
- Minimum credit score of 500, soft pull only
- Fixed daily or weekly payments
- No collateral required on our direct merchant cash advance
- Apply directly with us and you work with us, not a broker or middleman
- Customer service available 24 hours through our call center
Want to see the math first? Use the funding calculator or read our Transparent Terms for exact factor rates and fees.
Why transportation companies choose direct funding
Delivery, courier, limo, shuttle, moving, towing and logistics businesses all see uneven cash flow. We look at your business revenue, give you an offer in hours, and let you use the money where it matters most. Payments are a fixed daily or weekly amount. If you run heavy freight, see our trucking funding page.
Questions transportation business owners ask
Which transportation businesses can apply?
Delivery and courier services, passenger transport, moving and towing companies, logistics providers and fleet operators. You need at least 1 year in business and at least $5,000 in monthly revenue, with a soft credit pull only.
How fast can a transportation company get funded?
Offers usually come in 1 to 5 hours on a complete file. From application to funding usually takes 24 to 48 hours.
Can I use funding for repairs or fuel?
Yes. Funding is flexible working capital, so you choose how to use it: repairs, fuel, payroll, insurance or growth.
Is a merchant cash advance a loan?
No. It is an advance against your future revenue, repaid with a fixed daily or weekly payment. See our Transparent Terms for exact factor rates and fees.
Ready to see what your transportation company qualifies for?
Offers in 1 to 5 hours, funding in 24 to 48 hours, up to $5M. Soft pull only, no cost to apply, no obligation.
Apply Now Call 1-866-737-6278Related: All industries | Trucking funding | Equipment financing | How it works
