Most Requested
Working capital on this desk is B2B factoring from $20 million a month. CRE from $10 million and up. Consumer cards are a pass. Talk to PeerSense.
Working capital on this desk is B2B factoring from $20 million a month. Advance 80 to 95 percent of face against account debtors the factor will buy. CRE from $10 million and up. Cash in about 35 percent. There is no 5 day close. Talk to PeerSense.
, PeerSense Capital Advisory
Indicative as of September 1, 2026. Not a quote. Lenders set final pricing at underwriting.
As of
| Program | Current Rate | Term |
|---|---|---|
| Freight Factoring | Follows the book | Revolving |
| Truck / Equipment Loans | Follows the book | Follows the book |
| Fleet Expansion | Follows the book | Follows the book |
| SBA 7(a) Acquisition | Search path | Follows the book |
| Working Capital | Follows the book | Follows the book |
| CRE / Bridge | Follows the book | Follows the book |
Indicative only. PeerSense sources capital through a curated network of commercial lenders and capital sources. Talk to PeerSense.
Indicative only, as of April 27, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Why Carriers and 3PLs Pick PeerSense
Indicative as of September 1, 2026. Not a quote. Lenders set final pricing at underwriting.
B2B factoring from $20 million a month. CRE from $10 million and up.
Search only. Not a growth lane. Standby seller note credited as equity.
Search only next to the growth lanes. Structured to capture Section 179 in the current tax year.
Indicative only, as of September 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Indicative of deal types our institutional capital advisory desk structures. Not a representation of completed transactions. Specific deal data available under NDA on request.
Updates instantly · Estimates only · Talk to PeerSense for committed pricing
Indicative only, as of September 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Factoring, equipment, and CRE on the live public box.
PeerSense covers the full commercial capital stack. Indicative levels that lenders in our network have been pricing across these programs, as of September 1, 2026.
Focus $100 million a month. Will look at $10 million a month. $10 million is not the focus.
B2B invoices from $20 million a month. Advance 80 to 95 percent of face.
10 year Non Recourse fixed, $10 million and up, fully assumable
$10 million and up. Cash in about 35 percent. Name the takeout first.
$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.
15 year lease signed or guaranteed by a hyperscaler. Size follows the lease.
Hotel is search only. Public floor $10 million and up. Cash in about 35 percent.
Non-bank flexibility. Public CRE floor $10 million and up.
Search path. Not a growth lane on this desk.
Indicative only, as of September 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Finance commercial vehicles on a real book. Follows the book. There is no 5 day close. Talk to PeerSense.
Semi trucks, day cabs, sleeper cabs, new and used
Dry van, reefer, flatbed, specialized trailers
Box trucks, delivery vehicles, Class 4-7
Cargo vans, pickup trucks, last mile delivery
Finance Class 8 tractors, straight trucks, and specialty vehicles
Programs for credit qualified operators with strong collateral
There is no 5 day close. Talk to PeerSense on the file.
Rates follow credit and equipment age. Talk to PeerSense.
Financing: You own the truck at the end. Better for long term operators who want to build equity.
Leasing: Lower monthly payments, easier to upgrade equipment. Better for operators who want flexibility or newer equipment every few years.
Cash flow-based underwriting for established operators. Finance your growth without depleting working capital.
Finance 1–10 trucks at a time as your business grows
Expand from regional to national coverage
Finance equipment to attract and retain quality drivers
Replace aging equipment with newer, more efficient trucks
2+ years preferred, startups considered with strong operator experience
Positive EBITDA or strong revenue trajectory
600+ FICO ideal, programs available for 550+
Equipment value + business assets
Get a custom financing package designed for your expansion timeline and cash flow needs.
B2B invoices from $20 million a month. Advance 80 to 95 percent of face. Consumer cards are a pass. Talk to PeerSense.
Turn approved B2B invoices into cash after the factor is on the book. This desk works files from $20 million a month.
Lender takes the credit risk if your customer does not pay
Available on select programs, so your personal assets stay protected
Your funding grows as your business grows, with no fixed limits
Complete the delivery and invoice your customer as usual
Send the invoice to your factoring company (usually via app or portal)
Receive 80 to 95 percent of invoice face after setup. Follows debtor credit.
Your customer pays the factoring company directly in 30 to 90 days
Get the remaining balance minus the factoring fee (typically 1 to 5%)
1 to 3% per invoice for established carriers with strong customer base
3 to 5% per invoice for newer operators or higher risk customers
Rates depend on your customer's creditworthiness, invoice volume, and whether you choose recourse or non recourse factoring.
Recourse: Lower fees (1 to 3%), but you are responsible if your customer does not pay
Non Recourse: Higher fees (3 to 5%), but the factoring company takes the credit risk
Most carriers choose non recourse for peace of mind, especially when working with new customers.
B2B invoices from $20 million a month. Talk to PeerSense.
Working capital on this desk is B2B factoring from $20 million a month. There is no 5 day close. Talk to PeerSense.
Cover fuel expenses between invoice payment cycles
Pay drivers while waiting on customer payments
Cover insurance premiums, deductibles, or policy renewals
Emergency repairs or scheduled maintenance costs
Factoring: B2B invoices from $20 million a month. Advance 80 to 95 percent of face. Consumer cards are a pass.
Working capital on this desk: Same box. $7,500 five day paper is a pass. Talk to PeerSense.
Buying an existing logistics business gives you immediate revenue, established customers, and trained staff. SBA 7(a) loans make it possible with as little as 10% down.
Buy an existing carrier with established routes and customer base
Acquire a freight brokerage with existing shipper relationships
Buy out a co-owner or partner in your logistics business
Consolidate market share by acquiring a competing carrier
10% down typical for SBA 7(a) business acquisition loans
10-year fully amortizing, no balloon payment
SBA allows you to finance the intangible value of the business
Seller can finance part of the purchase to reduce your cash at close
Get pre-qualified for SBA 7(a) acquisition financing. We'll help you structure the deal and connect you with the right lender.
From owner-operators to multi-unit fleets, PeerSense has financing solutions for every stage of your logistics business.
Finance your first truck or add to your fleet. Credit-qualified operators with demonstrated cash flow can access competitive equipment financing and working capital.
Growing carriers adding units and scaling operations
Established carriers expanding regionally or nationally
Non-asset based logistics companies managing carrier networks
Third-party logistics providers offering warehousing and distribution
Local delivery services and courier companies
We understand the unique cash flow challenges of the transportation industry and have access to lenders who specialize in logistics financing.
24–48 hour approvals on equipment financing and factoring programs
We know trucking, freight, and logistics, not just generic business lending
Stack equipment financing, factoring, and working capital to optimize your capital structure
Rate estimates as of March 2026. Actual rates depend on borrower profile, collateral, and deal structure.
| Loan Type | Best For | Range | Est. Rate | Term | Max LTV |
|---|---|---|---|---|---|
| Truck / Equipment Loans | Class 8 trucks, trailers, reefers, chassis | Follows the book | Follows the book | Follows the book | Follows the book |
| Fleet Expansion | Established operators adding units | Follows the book | Follows the book | Follows the book | Follows the book |
| Freight FactoringTOP PICK | B2B invoices from $20 million a month | $20 million a month | 1 to 5% discount | Revolving | N/A |
| SBA 7(a) | Trucking company acquisition, search path | Search path | Lender underwriting | 10 to 25 yr | Lender underwriting |
| Working Capital | B2B factoring from $20 million a month | $20 million a month | Follows the book | Follows the book | N/A |
| Business Acquisition | Buying a trucking company or 3PL | $10 million and up | Follows the book | Follows the book | Cash in about 35 percent |
PeerSense sources capital through a curated network of commercial lenders and capital sources. Rates are estimates. Actual terms vary by capital source.
Current market intelligence from our lender network, not generic advice.
Active DOT / MC authority: operating authority in good standing is a baseline requirement
Diverse shipper base: carriers with a real book and creditworthy debtors
Clean CSA scores: FMCSA safety ratings affect insurance and lender appetite
Established operating history: documented revenue on a real book
Strong receivables from creditworthy shippers: the factor buys the customer, not your FICO
Maintained equipment with service records: trucks and trailers with documented maintenance history
Conditional or revoked DOT authority: no lender will finance a carrier that cannot legally operate
Out of service orders or poor CSA scores: safety violations raise insurance and operational risk
Over leveraged existing fleet: if current equipment loans consume cash flow, adding more debt sits
Single shipper dependency: one shipper as most of revenue is concentration risk
Consumer cards: this desk works B2B invoices from $20 million a month
Working capital on this desk is B2B factoring from $20 million a month. CRE from $10 million and up. Cash in about 35 percent. There is no 5 day close. Talk to PeerSense.
Run a Free Deal Scan on Your Trucking / Logistics
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B2B invoices from $20 million a month
Finance trucks, trailers, and fleet equipment
SBA 7(a) is a search path
B2B factoring from $20 million a month
$10 million and up. Cash in about 35 percent.
Talk to PeerSense on the file
Common questions about logistics and transportation financing
Most logistics financing programs require 680+ credit as a baseline. For asset-heavy deals (truck financing, trailer leasing, or equipment backed by strong collateral), lenders evaluate the asset quality, operator track record, and deal structure alongside credit profile. Freight factoring and ABL facilities focus primarily on customer creditworthiness and receivables quality rather than personal credit score.
Yes. PeerSense structures acquisition financing for established logistics and transportation companies using SBA 7(a) loans, conventional acquisition loans, seller notes, and asset-based lending. We work with buyers acquiring trucking companies, freight brokerages, 3PL operations, and last-mile delivery businesses.
Experienced operators with a strong track record in logistics can access equipment financing, working capital lines, and SBA loans even if the entity is new. Lenders evaluate your personal credit, industry experience, customer contracts, and the strength of your business plan. Most programs require 680+ credit and demonstrated cash flow or contracts in place.
Down payment requirements vary by credit profile and truck age. Typically: 10-15% down for strong credit (680+), 15-20% down for average credit (600-679), and 20-25% down for challenged credit (550-599). Some programs offer $0 down for established operators with excellent credit and strong cash flow.
Yes. While most traditional lenders prefer 2+ years of operating history, we have programs specifically for new authority holders. You'll typically need a larger down payment (20-25%), proof of industry experience (previous employment as a driver or in logistics), and strong personal credit (650+ FICO).
Factoring converts approved B2B invoices into cash after the factor is on the book. This desk works files from $20 million a month. You only pay when you factor an invoice. Working capital loans provide a lump sum with fixed monthly payments. Factoring is for ongoing cash flow tied to invoices. A lump sum loan is for a one time expense.
Yes. Lenders in our network finance trucks and trailers up to 15 years old, depending on the lender program. Newer used equipment (3-5 years old) typically qualifies for better rates and terms. Older equipment may require a larger down payment and shorter loan terms. All equipment must pass a mechanical inspection before funding.
Truck financing follows inspection and title work. Factoring follows debtor credit after setup. There is no 5 day close. This desk works B2B invoices from $20 million a month. SBA 7(a) acquisition loans take 45 to 90 days from application to funding.
This depends on the factoring agreement. "Spot factoring" allows you to choose which invoices to factor, giving you flexibility but typically at higher rates (3-5%). "Whole ledger factoring" requires you to factor all invoices from approved customers, but offers lower rates (1-3%). Most carriers prefer whole ledger factoring for the cost savings.
Yes. SBA 7(a) loans are commonly used to acquire existing logistics businesses. You'll typically need 10% down, 650+ FICO, industry experience, and the business must show positive cash flow. The seller can finance part of the purchase (seller note) to reduce your cash at close. Approval timeline is 45-90 days from application to funding.
Working capital on this desk is B2B factoring from $20 million a month. CRE from $10 million and up. Cash in about 35 percent. There is no 5 day close.
PeerSense sources capital through a curated network of commercial lenders and capital sources.
Talk to PeerSense