Business Financing for Transportation & Logistics
Fleet financing, freight factoring, and fuel programs for carriers who can't wait 45 days or more for brokers to pay.
The daily grind that steals your time
These frustrations aren't just annoying—they're costing you money, clients, and peace of mind.
Fuel costs eat your margins alive
Fuel is 30–40% of operating costs. Prices spike without warning, and you can't pass the increase to loads you already quoted.
Fleet maintenance never stops
A blown engine is $25K. New tires every 100K miles. DOT inspections require everything in top shape. Deferred maintenance means downtime.
New trucks cost more every year
A new Class 8 truck runs $150K–$200K. Growing your fleet means massive capital outlays, and used trucks come with risk.
Freight brokers pay in 30–45 days
You delivered the load Tuesday. The broker pays in 6 weeks. But fuel, tolls, and your driver need to be paid now.
What if you could eliminate all of this?
Real work, not just conversation
Breakwater doesn't just match you with lenders—we guide the entire process. Here's how we help your business.
Fleet Financing
Finance new and used trucks, trailers, and specialty vehicles. Competitive rates with terms designed for the trucking industry.
Fuel Advance Programs
Get advances on confirmed loads to cover fuel costs upfront. Fund your next haul without waiting for the last one to pay.
Freight Factoring
Turn delivered load invoices into same-day cash. Get 95–98% of invoice value within 24 hours of delivery confirmation.
Equipment Loans
Finance trailers, refrigeration units, GPS systems, and other equipment. Keep your fleet equipped and compliant.
Working Capital
Cover driver pay, insurance premiums, maintenance, and overhead between load payments. Keep trucks moving.
DOT Compliance Funding
Finance safety upgrades, ELD systems, and compliance requirements. Stay DOT-compliant without large out-of-pocket costs.
Custom capabilities can be configured for your specific workflow
“Broker payment delays were strangling our growth. Breakwater connected us with a freight factoring company that pays us the same day we deliver. We added 4 trucks to our fleet that year.”
— Fleet Owner-Operator
Memphis, TN
Ready to transform your transportation & logistics?
Book a free consultation. We'll assess your financing needs, show you your best options, and give you a clear path forward.
15-minute call · No commitment · See exactly what's possible