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Logistics Financing

Streamline Operations with Logistics Financing.

Carrier payments, technology investments, and warehouse infrastructure create massive capital demands for logistics companies. Our in-house team understands supply chain economics and delivers funding that keeps your network moving.

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Financing Challenges

Why Logistics Businesses
Need Flexible Capital

Understanding the financial pressures unique to logistics helps us fund you directly with the right products.

Carrier Payment Timing

Carriers demand payment in 7-15 days, but shippers pay on 30-60 day terms. This mismatch means logistics companies must front hundreds of thousands in carrier payments before receiving a dollar from customers.

Technology and TMS Investment

Transportation management systems, warehouse management platforms, real-time tracking, EDI integrations, and analytics tools require substantial and ongoing technology investment to remain competitive.

Volume-Dependent Margins

Logistics margins are razor-thin (2-8% net) and volume-dependent. Losing a major account or experiencing a market downturn can rapidly erode profitability while fixed costs remain constant.

Scaling Capital Requirements

Every new customer account requires proportional working capital to front carrier payments. Rapid growth can actually create cash flow crises as receivables lag behind carrier payables by weeks.

Talent and Operations Costs

Dispatchers, account managers, warehouse staff, and operations managers are essential but expensive. As logistics companies grow, the operational team must scale ahead of revenue to maintain service quality.

Warehouse and Cross-Dock Facilities

3PL operations require warehouse leases, material handling equipment, cross-dock facilities, and cold chain infrastructure. These fixed costs must be absorbed before securing enough clients to achieve profitability at scale.

Recommended Solutions

Funding Products for
Logistics Businesses

Each product is tailored to address the specific capital needs of logistics operations. Click to learn more about terms, eligibility, and the application process.

Working Capital Loans
Front carrier payments while waiting for shipper receivables.
Why it fits: Bridges the critical 15-60 day gap between carrier payment and customer collection.
Business Lines of Credit
Revolving credit that scales with your brokerage volume and carrier payments.
Why it fits: Capital availability grows as your business grows, matching operational demands.
Real Estate Loans
Use receivables, equipment, or facility assets for larger capital access.
Why it fits: Leverage your freight receivables and assets for substantial working capital.
Real-World Impact

How We Help Logistics
Businesses Grow

Illustrative Example — Freight Brokerage

The Challenge

A freight brokerage handling $800,000/month in gross revenue won a contract with a Fortune 500 shipper worth $250,000/month in new volume. The contract required carrier payments on 10-day terms while the shipper paid on Net-45. The cash gap would have been $375,000.

The Solution

Sunsurf Capital arranged an AR-based revolving credit facility secured by the brokerage's freight receivables, including the new contract. The facility provided up to $500,000 in available capital, with draws and repayments revolving automatically against collected receivables.

The Result

The brokerage onboarded the Fortune 500 account without cash flow disruption. The additional volume improved carrier relationships and negotiating leverage, resulting in a 1.2% improvement in carrier rates across all lanes. Monthly gross revenue reached $1.1 million within 6 months.

This example is representative of typical client outcomes and is presented for illustrative purposes.

FAQ

Common Questions About
Logistics Financing

Yes. We finance freight brokers, 3PL providers, asset-based carriers, intermodal companies, last-mile delivery services, and supply chain management firms. Our lenders understand the different financial models and capital needs across the logistics spectrum.
Factoring sells your receivables at a discount (typically 2-5%) for immediate cash. Our credit facilities let you borrow against receivables while retaining ownership, often at lower overall cost. For growing brokerages, revolving credit facilities provide more flexibility than factoring.
Yes. Transportation management systems, warehouse management platforms, route optimization software, and other technology investments can be financed through working capital or equipment financing products. Technology ROI is typically strong in logistics operations.
Rapid growth is actually one of the most common reasons logistics companies need financing. Our revolving credit facilities scale with your volume, increasing available capital as your receivable base grows. This prevents the cash flow crisis that often accompanies fast growth in freight brokerage.
Yes. Real estate loans are ideal for facility acquisition, while equipment financing covers racking, forklifts, conveyor systems, and material handling equipment. Working capital can bridge the gap between facility opening and achieving profitable utilization rates.
Standard requirements include 3-6 months of bank statements, aging receivables report, carrier payment history, and basic financials. For larger facilities, a customer list and contract summaries may be requested. The process is straightforward for established operations.
Get Started

Ready to Fund Your
Logistics Business?

Apply in 5 minutes and get a funding decision within 48 hours. No upfront fees. No obligation. Just the capital your logistics business needs to thrive.

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