Keep your fleet running and growing
Trucking companies need constant access to capital — for truck purchases, fuel, insurance, maintenance, and managing the cash flow gaps that come with freight brokerage payment terms. When brokers pay in 30 to 45 days but fuel, drivers, and insurance need to be paid now, the cash flow pressure can limit your ability to take on loads and grow your fleet. Bay Street Lending connects carriers and fleet operators with financing designed for the trucking industry. From freight bill factoring that puts cash in your account within hours of delivery to equipment financing for fleet expansion, our lender network understands how carriers actually operate and what it takes to keep trucks moving.
Freight brokers pay in 30–45+ days. Invoice factoring gives you cash within 24 hours of delivery.
Adding trucks means more drivers, insurance, and maintenance. Capital planning is essential for profitable growth.
Fuel alone can consume 30% of revenue. Working capital ensures you can keep trucks moving and drivers paid.
Submit your freight bills after delivery and receive 90–95% of the invoice value within 24 hours. When the broker pays, you get the remaining balance minus a small fee (typically 1–3%).
Yes. Equipment financing covers trucks, trailers, and fleet expansion. We work with lenders who specialize in commercial trucking and can finance multiple vehicles.
New carriers with active authority and good personal credit can qualify for truck financing. Factoring is available once you start hauling loads.
Some of our factoring partners include fuel card programs with per-gallon discounts at major truck stops as part of their service.
One application, no credit impact, and a dedicated specialist to walk you through your options. See what you qualify for in minutes.