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Transportation Financing

Keep Your Fleet Moving with Transportation Financing.

Fuel costs, fleet maintenance, driver retention, and 30-60 day payment cycles put constant pressure on transportation companies. Our in-house team deliver capital built around your operational rhythm.

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Financing Challenges

Why Transportation Businesses
Need Flexible Capital

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

Slow-Pay Freight Receivables

Shippers and brokers routinely pay on 30, 60, or even 90-day terms. Drivers, fuel, and maintenance cannot wait. The gap between hauling a load and collecting payment is the biggest cash flow killer in trucking.

Fuel Price Volatility

Diesel prices swing unpredictably. A 50-cent-per-gallon increase on a fleet of 20 trucks can add $40,000+ per month in operating costs, often without corresponding rate increases from shippers.

Fleet Acquisition and Replacement

New Class 8 trucks cost $150,000 to $200,000 each. Trailers, refrigeration units, and specialized equipment add more. Fleet expansion or replacement requires significant capital planning.

Insurance and Compliance

Commercial auto insurance, cargo insurance, FMCSA compliance, ELD mandates, and DOT requirements create a regulatory cost burden that increases annually and must be paid regardless of utilization.

Driver Recruitment and Retention

The chronic driver shortage means competitive sign-on bonuses, higher per-mile rates, and better benefits. Each new driver hire can cost $8,000 to $12,000 in recruitment and onboarding before they generate revenue.

Maintenance and Downtime

Engine overhauls, tire replacements, brake work, and preventive maintenance cost thousands per truck annually. Every day a truck sits in the shop is a day it generates zero revenue while still costing money.

Recommended Solutions

Funding Products for
Transportation Businesses

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

Working Capital Loans
Cover fuel, payroll, and operating costs while waiting for freight payments.
Why it fits: Bridges the 30-90 day gap between hauling loads and collecting receivables.
Business Lines of Credit
Revolving credit for fuel, repairs, and seasonal demand fluctuations.
Why it fits: Draw against your line as expenses arise without reapplying each time.
Real Estate Loans
Use your fleet, trailers, or receivables as collateral for major purchases.
Why it fits: Leverage existing assets to acquire new trucks or expand operations.
Real-World Impact

How We Help Transportation
Businesses Grow

Illustrative Example — Regional Trucking Company

The Challenge

A 35-truck carrier won a dedicated lane contract with a major retailer, requiring 12 additional trucks and drivers. The contract guaranteed $180,000/month in revenue but the carrier needed $1.8 million upfront for trucks, insurance deposits, and driver recruitment.

The Solution

Sunsurf Capital arranged fleet financing with the new trucks as collateral plus a working capital line secured by the retailer contract. Total funding: $2.1 million approved in 10 business days.

The Result

All 12 trucks were on the road within 45 days. The dedicated contract exceeded revenue projections by 15%, and the carrier used the working capital line to bid on two additional dedicated lanes.

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

FAQ

Common Questions About
Transportation Financing

Yes. Our in-house team finance new Class 8 trucks, used trucks, trailers, refrigeration units, and specialized vehicles. Used equipment financing typically requires the vehicle to be under a certain age (usually 7-10 years) and in good mechanical condition.
Absolutely. Owner-operators with at least 6 months of operating history and consistent revenue can qualify for working capital, lines of credit, and equipment financing. Strong freight contracts and clean safety records strengthen your application.
Factoring sells your receivables at a discount (typically 2-5%) for immediate cash. Our financing products let you keep your full receivable value while borrowing against future revenue. For many carriers, our solutions cost less than factoring over time.
While we do not offer fuel cards directly, our working capital and credit line products can be used for fuel purchases. Some of our in-house team also offer specialized fleet fuel financing programs with volume discounts.
Yes. EPA emissions standards and state-level requirements (like California CARB rules) are driving fleet modernization. Equipment financing and working capital can fund engine replacements, DPF systems, or new compliant vehicles.
Comprehensive commercial auto insurance covers the replacement value. Our lenders require proof of insurance, and in the event of a total loss, insurance proceeds typically pay off the remaining loan balance. Gap coverage is recommended.
Get Started

Ready to Fund Your
Transportation Business?

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

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