Funding Solutions For Owner-Operators and Fleets
Whether you're brand new or have a fleet, we specialize in funding trucking companies at every stage — CDL or non-CDL, low revenue or challenged credit.
We Didn’t Run From Trucking. We Ran Toward It.
Traditional lenders run away from the trucking industry.
We built Cargus Capital for it.
After working in both trucking and finance, we saw how underserved this industry was. Most brokers avoid it, and many lenders flat-out refuse to fund trucking companies, especially new operators or owner-operators.
Cargus Capital was created to be the voice and advocate for trucking businesses — the ones that keep America moving.
Real examples of funding secured
An experienced owner-operator with damaged credit — including late payments and charge-offs — couldn’t qualify through traditional lenders. We helped him secure the truck he needed and keep his business moving.
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FICO Score: 613
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Down Payment: $9,900 (30%)
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Funded Amount: $23,536
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Monthly Payment: $1,513
A newly formed roadside recovery company was expanding to meet growing demand from clients like GEICO and U-Haul. Despite extremely poor credit and past delinquencies, we structured a lease to get them their second truck and keep growing.
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FICO Score: Sub-500
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Initial Lease Payment: $20,000 (35%)
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Funded Amount: $56,660
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Monthly Lease: $2,105
A first-time owner-operator with limited credit and multiple late payments couldn’t find financing elsewhere. With enough cash for a strong down payment, we helped fund his 2019 Kenworth so he could hit the road as his own boss.
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FICO Score: 607
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Down Payment: $14,500 (37%)
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Funded Amount: $24,500
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Monthly Payment: $1,640
From startup to scale-up, we’ve got flexible capital solutions:
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Equipment Financing
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Revenue Based Funding
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Line of Credit
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Structured Financing
Ownership Without the Barriers.
We make it possible for drivers and fleet owners to purchase the trucks and trailers they need — even if their credit isn’t perfect or they’re just getting started. Our equipment financing programs are flexible, with options for used vehicles, major repairs, or full fleet expansion. We look beyond the credit score and focus on what matters: your business potential, your drive, and your revenue.
Simple, Fast Capital Based on What You Earn — Not What You Score.
This product was built for trucking companies that move real revenue but don’t check all the boxes for traditional lending. With revenue-based financing, your approval is tied to your business deposits, not your credit report. Repayments are flexible — matched to your daily or weekly cash flow — and funds can be deployed in as little as 24–48 hours. Ideal for operators with limited credit history or unpredictable cycles.
Ongoing Access to Cash Flow — Even If You’ve Been Denied Elsewhere.
A line of credit gives you flexible, reusable capital you can tap into when needed — and our partners work with trucking companies that may not qualify through a bank. Use it for fuel, payroll, repairs, or gaps between payments. No need for perfect credit or high monthly revenue — just a real business with real needs. Draw funds when you need them. Pay only for what you use.
Smart Solutions for Complex or Challenging Deals.
Not every trucking business fits neatly into a box — and that's where structured financing comes in. Whether you're buying multiple units, merging businesses, consolidating high-interest debt, or facing credit challenges that limit traditional approvals, we build layered funding solutions that work. With access to multiple lenders and creative capital structures, we help serious operators move forward, even when the path isn’t obvious.
Learn what lenders actually look for
Download the Free Guide: What It Takes to Qualify for Trucking Business Funding
Learn what lenders actually look for — and how to get approved faster, even with bad credit or a new business.
This guide breaks down the basics: revenue, time in business, credit profiles, documentation, and real tips to improve your chances. Whether you’re just starting out or trying again after being denied, this is for you.
Frequently Asked Questions
Can I get funded with bad credit?
Yes. We work with lenders who specialize in credit-challenged applicants. We focus on your revenue, down payment, and equipment — not just your FICO score.
Do I need a CDL to qualify?
Not always. We help both CDL and non-CDL operators get financing, depending on the vehicle and use case.
Is there a hard credit pull to apply?
No. Our initial pre-qualification process uses a soft pull or revenue-based review. There’s no impact on your credit score to get started.
What kind of trucks and equipment do you finance?
We fund Class 6–8 trucks, trailers, reefers, tow trucks, and heavy equipment. Year and mileage restrictions may apply, but we always review the full picture.
What are the minimum requirements?
We typically look for:
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At least 6 months in business (but we do fund newer companies)
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$10,000+ in monthly revenue (or proof of contracts/income)
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Basic documentation like bank statements and ID
Can I get approved if my business is brand new?
Yes. Startups and first-time owner-operators are welcome. A strong down payment or stable income source helps improve your approval chances.