Funding built for
trucking & logistics
You move freight on tight margins, long payment cycles, and unpredictable fuel costs. Rinia Capital structures funding around how logistics businesses actually operate, not how banks think they should.
Industry insight: The average small trucking company waits 42 days to get paid on a freight invoice yet fuel, insurance, and driver wages are due weekly. That gap is where most cash flow problems start.
Three funding tools every
logistics operator should know
Each product is structured differently. The right one depends on where your cash flow pressure is coming from.
Receivables & Invoice Funding
Instead of waiting 30, 60, or 90 days for brokers and shippers to pay, invoice factoring lets you access most of the invoice value within 24 to 48 hours of delivery. The factoring company collects from your customer directly.
- Owner operators and small fleets
- Companies with slow paying brokers
- Rapid growth without long waits
- Turn freight bills into same week cash
- No debt added to the balance sheet
- Scales with your load volume
Equipment Finance
Acquire trucks, trailers, refrigerated units, and heavy equipment without draining operating capital. Structure repayments around your revenue cycle and preserve cash for day to day operations.
- Fleet expansion or replacement
- New contract requiring new assets
- Owner operators buying their first truck
- Asset backed, easier to qualify
- Structured repayments, not a lump sum
- Preserve working capital for operations
Working Capital
Cover fuel costs, driver wages, insurance premiums, and maintenance without waiting on invoice payments. Working capital gives you the operational breathing room to take on more loads and grow with confidence.
- Seasonal revenue gaps
- Covering fuel & driver payroll
- Bridging between invoice payments
- Fast access — funds in days
- Flexible use across operations
- Keeps trucks moving without delays
Simple process.
Built around your schedule.
You run freight around the clock. The funding process should not slow you down.
Tell us about your operation
Share basic details — fleet size, monthly revenue, current pain point, and what funding you're looking for. No lengthy paperwork upfront.
We review suitable options
We assess your situation against the most relevant funding products. You'll get clarity on what's available, what fits, and realistic terms — not vague promises.
Funding assessment
A structured review of your financials, loads, and receivables. We focus on what matters for logistics — revenue consistency, customer quality, and asset position.
Move forward with confidence
Clear next steps, structured terms, and funding that fits your operation. You keep driving — we handle the capital side.
What to expect on
your assessment
A funding assessment for a trucking or logistics business is not the same as a bank loan application. Here is what we actually look at and what we do not.
Start your applicationThe cash flow reality of
running a trucking business
The 42 day gap problem
The average freight invoice takes 42 days to be paid. Fuel cards, driver wages, insurance renewals, and maintenance do not wait 42 days. This structural mismatch is the single biggest cash flow challenge in the industry and it affects owner operators and mid size fleets equally.
Fuel is your biggest variable cost
Diesel prices can swing 20 to 30 percent in a single quarter. For a fleet running 100,000 or more miles a month, that is tens of thousands in unplanned costs. Working capital access is not a luxury. It is what separates operators who adapt quickly from those who cannot take on new loads.
Equipment age affects your rate
Older trucks mean higher maintenance costs, more downtime, and in some cases, restricted access to premium freight lanes. Operators who finance equipment upgrades on a structured cycle rather than running assets into the ground typically maintain stronger margins and better broker relationships.
Broker dependency is a real risk
Many small trucking companies rely on 2 to 3 brokers for most of their loads. When those relationships slow down or a broker delays payment, the whole operation feels it. Receivables funding reduces dependence on any single customer's payment timeline and smooths the income cycle.
Let's find the right funding for your operation
Tell us about your fleet, your loads, and what you need. We will assess the most suitable options and come back with clarity, not a sales pitch.