Compare invoice factoring for transportation and logistics from 50 lenders in one application. The lenders that fund transportation and logistics companies bid for your deal — real offers in about 24 hours, no effect on your credit.
Transportation & Logistics live on cash flow while customers pay on net-30 to net-90 terms. Invoice factoring advances up to 90% of those receivables the day you invoice, so transportation and logistics companies can cover fuel, payroll, and fleet expansion without waiting weeks to get paid. Approval rides on your customers' credit, not yours.
Instead of applying to one lender and hoping, you apply once and the lenders that actually fund transportation and logistics companies compete for your business. You compare real offers side by side and take the best terms — with no effect on your credit to look.
Turn outstanding invoices into same-week working capital instead of waiting on terms.
Underwriting is based on who owes you, so newer or lower-credit businesses still qualify.
Cover fuel, payroll, and fleet expansion the moment you invoice.
Six questions. No documents required to start. No effect on your credit score.
Review the 8–12 lenders matched to your profile and choose who to apply to. Your file goes only to the lenders you select.
We negotiate the best terms with each lender you selected and send you their real offers — side by side on APR, term, and payment.
One signature. Funds wire direct from the lender. Median: under 2 days end-to-end.
Yes — transportation and logistics companies are a core fit. EQ Funding routes your file to the lenders in our network that specifically fund businesses like yours, so you see offers from the lenders most likely to approve you rather than a single bank's yes-or-no. The application takes about two minutes and there is no effect on your credit to see what you qualify for.
Most commonly fuel, payroll, and fleet expansion. There are typically no restrictions on use beyond the product itself — you take the capital and put it to work. If your need is more specific, the application lets you say so, and we route you to the lenders that fund that use.
First offers typically arrive within about 24 hours of applying, and funding can follow in as little as 48 hours once you accept. Asset-based and revenue-based products tend to move fastest; SBA-backed options take longer but carry the lowest rates and longest terms.
Comparing offers is a soft pull with no effect on your credit score — a hard inquiry only happens once you accept a specific lender. And it costs you nothing: EQ Funding is paid by the lender when your deal closes, never by you.
Factoring sells your invoices to a factor who collects from your customer directly. Invoice financing uses invoices as collateral for a loan — you still collect from your customer. Factoring is faster; invoice financing keeps customer relationships private.
Standard invoice factoring advances are 80–90% of the invoice value upfront. The remainder (minus the factoring fee, typically 1–5%) is released when your customer pays.
With traditional invoice factoring (notification), yes — invoices say "remit to factor". With non-notification factoring or invoice financing, the customer never knows. We can route your file to either type.
The first invoice can fund within 24 hours of approval. Established factoring receivables relationships fund same-day or next-business-day on every invoice submitted.
Yes — single-debtor concentration is fine for factoring receivables when the customer has strong credit (Fortune 500, government, large enterprise). Factor fees may be slightly higher for concentration risk but the speed is unchanged.
Six questions. Two minutes. No effect on your credit score. Real offers from 50 lenders within 24 hours.