Short Answer

A business line of credit gives trucking companies revolving access to cash — draw when you need it, pay it back, draw again. Rates start at 6.2% for qualified borrowers. Requires 1+ year in business and 625+ credit. Bluevine and OnDeck are the top online LOC lenders for trucking.

Business Line of Credit for Trucking Companies (2026)

Key Takeaways

  • → Lines of credit are revolving — you only pay interest on what you draw, not the full limit.
  • → Typical limits: $10,000–$250,000 for trucking businesses through online lenders.
  • → Minimum requirements: 625 credit, 1 year in business, $100K+ revenue.
  • → Best use: bridging cash flow gaps, seasonal slow periods, emergency repairs.
  • → Not ideal for truck purchases — equipment loans are cheaper for large capital expenditures.

Best Line of Credit Lenders for Trucking

See our ranking methodology. Sponsored listings are labeled.

1

eBoost Partners

Sponsored Best Overall
★★★★★ 4.9

Rates From

6.5%

Up To

$500,000

Min Credit

550

Funding

Same day

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2

Taycor Financial

Best for Equipment
★★★★★ 4.7

Rates From

7.0%

Up To

$2,000,000

Min Credit

600

Funding

1–3 days

Read Review →

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When a Line of Credit Makes Sense for Trucking

Lines of credit solve specific problems for carriers. The best use cases:

  • Fuel costs before payment — You've hauled a load, invoice goes out. Fuel was $3,000. LOC covers it until broker pays in 45 days.
  • Tire and maintenance emergencies — A blown steer tire ($700) shouldn't shut down a truck for days. Draw on the LOC, keep rolling.
  • Seasonal cash flow — Freight markets slow in Q1. A LOC covers fixed costs (insurance, lease payment) through the slow period.
  • Driver payroll — For small fleets, meeting weekly driver payroll while waiting on broker payments is the #1 cash flow problem a LOC solves.

LOC vs. Invoice Factoring: Which Is Better for Trucking?

Both solve cash flow. The right choice depends on your situation:

  • Choose a LOC if: you have 1+ year in business, 625+ credit, and want the cheapest long-term option
  • Choose factoring if: you're under 1 year, have bad credit, or need same-day cash against specific invoices

Many carriers use both — a LOC for unexpected expenses and factoring for systematic invoice cash flow.

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