Commercial Truck Repair Financing — Get Back on the Road in 24 Hours

Engine, transmission, or drivetrain down? Get the cash to pay the shop and roll again — approved on your deposits, not your FICO. FICO 500+ OK. Soft credit pull to check.

Your truck is in the shop and every day parked costs you money

The engine blew, or the transmission's done, or the shop found something in the drivetrain that turns a routine service into a $14,000 bill. And that truck is how you make money — parked, it earns nothing. A day down is a load you didn't run, a lane you gave to someone else, a payment that's still due whether the wheels turn or not.

Maybe the bank already told you no because your credit took a hit last year. Maybe you don't have weeks to wait on a decision while the shop sits on your truck. You don't need a lecture on your FICO. You need the repair paid and the truck back on the road.

We fund based on the deposits going into your business bank account — the revenue you're actually running — not a credit score. If you've got money moving and a truck to get back on the road, we can usually get you an answer the same day.

How it works — three steps

• 1. Apply online. A few minutes on the application. We do a soft credit pull to check — it does not ding your score. FICO 500+ is fine.
• 2. Send your last few bank statements. We approve on deposits, not credit. We're looking at the revenue coming through your account, so we can see you're running real freight.
• 3. Get funded and pay the shop. Once you're approved and signed, the money hits — often within 24 hours. Pay the repair bill, pick up your truck, get back to hauling.

A real example

Say an owner-operator throws a rod on a Detroit DD15 and the shop quotes $22,000 for a reman engine, in and out. He's got roughly $40,000 a month in deposits from his freight but a 540 FICO from a rough patch two years back — every bank passed. He applies before noon Eastern on a Tuesday, sends three months of statements, signs that afternoon, and the funds land the next morning. He pays the shop, the truck's ready by Thursday, and he's back under a load Friday instead of watching it sit for a month while he tries to save up.

Who qualifies: owner-operators, small fleets, and trucking businesses with a real bank account showing steady deposits, generally at least a few months in business. Engine overhauls, transmission and clutch jobs, drivetrain and rear-end work, DPF/emissions repairs, collision and downtime — if it gets the truck rolling again, we can fund it.

Straight answers

Can I get truck repair financing with bad credit?

Yes. We approve on the deposits in your business bank account, not your FICO. Credit is a soft pull to check, and FICO 500+ is fine. The revenue coming through your account matters more than a score.

How fast can I actually get the money?

Here's the honest rule: if you apply and get us your bank statements before early afternoon Eastern on a weekday, and you sign the same day, the money can be in your account the next business day. Apply Friday afternoon and you're likely looking at Monday. We won't promise you a miracle — we'll tell you the real timeline for your file.

Will the shop get paid directly, or do I?

The funds go into your business bank account and you pay the repair shop. That keeps you in control and lets you cover the deposit, the parts, and the labor on your terms.

Does applying hurt my credit score?

No. Checking is a soft credit pull, so it does not affect your score. You can see where you stand before you commit to anything.

Do I have to put up my truck as collateral?

Not for working capital. This is based on your revenue, so you don't have to pledge the truck or trailer to get the repair funded.

How much can I get?

From $10,000 up to $5M, sized to your deposits. That covers a single reman engine or a repair bill across several trucks in a fleet.

Get your truck back on the road

Every day it sits, you're losing money you can't get back. Apply now, send your statements, and let's get the shop paid so you can roll. Soft credit pull to check — it won't touch your score.