Capital for independent owner-operators — Truckers Capital
We connect truckers with lenders who understand the industry, providing equipment financing and working capital for your business needs.
Soft credit inquiry takes 2 minutes and does not affect your score.
4.9 Excellent · 3,200+ reviews via Big Think Capital- Deadhead
- Factoring
- Owner-operator
- ELD mandate
- Load board
- Fuel surcharge
- Detention pay
- Operating authority
Financial services and commercial lending for independent US owner-operators
Financing options matched to your situation, in one place.
- EQUIPMENT Semi truck financing Secure funding for new or used rigs with terms tailored to your cash flow.
- WORKING Operating capital loans Maintain liquidity for fuel, maintenance, and insurance premiums.
- REFINANCE Commercial debt consolidation Reduce monthly overhead by refinancing existing high-interest equipment debt.
- GROWTH Start-up fleet expansion Funding designed for new authorities and fleet scaling operations.
- $10K–$500K Funding range
- 24–48 hrs Typical approval time
- 1 soft pull Credit impact
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Transparent terms
- No hidden broker fees or surprise charges in your contract.
- Clear breakdown of all interest rates and repayment schedules.
Industry expertise
- Lenders familiar with CDL and operating authority requirements.
- Options for varying credit histories and fleet sizes.
Fast decisions
- Get a funding decision within two business days of application.
- Rapid processing so you can get back on the road sooner.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Insufficient business history
Banks often reject applicants with less than two years in business.
Credit score below 650
Traditional lenders view lower scores as high-risk, regardless of revenue.
Used equipment age
Banks avoid financing trucks that are over five years old.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Single owner-operator
Purchase of a pre-owned Freightliner to replace a high-maintenance rig.
Small fleet (3 trucks)
Bridge capital for covering insurance premiums and seasonal repairs.
Start-up owner-operator
Initial operating costs and electronic logging device installation.
Owner-operator
Refinancing a high-interest predatory loan to lower payments.
Stay informed on the road
Access our library of industry news, tax tips for drivers, and updates on federal trucking regulations that impact your bottom line.