North Carolina trucking and transportation operators use revenue-based funding to add equipment, cover fuel and maintenance, and bridge load payment delays — without pledging personal assets.
These are illustrative examples based on realistic SMB funding patterns — not guarantees. Your actual range depends on your revenue, tenure, and credit profile.
Down payment on two Class 8 trucks for a new dedicated lane contract. Revenue-based on $60K/mo in freight revenue.
Covered fuel costs for 30 days while broker payments were on net-45 terms. Repaid from next pay cycle.
DOT safety upgrades, ELD devices, and tire replacement across 6 units before annual inspection season.
Business name, email, funding need, monthly revenue. Soft pull only — no credit impact.
A real human advisor reviews your application within 24 hours and reaches out with questions or options.
Clear terms, no surprises. Review and accept the offer that works for your business.
Typically 1–3 business days after acceptance. No origination fees to pay upfront.
| Feature | Four Point Group | Lendio / Bluevine | Bank / SBA |
|---|---|---|---|
| Personal collateral required | ✗ Never | Sometimes | Usually required |
| Decision timeline | 1–3 days | 3–10 days | 30–90 days |
| Revenue-based underwriting | ✓ Primary method | Partial | Credit-first |
| Hard credit pull on apply | ✗ Soft pull only | Hard pull | Hard pull |
| Min. funding amount | $10,000 | $5,000–$25,000 | $50,000+ |
| Industry expertise | Trucking & Transportation specialists | Generalist marketplace | Generic products |
Soft credit pull only. A funding advisor reviews your file within 24 hours.
Yes. We fund trucking & transportation across the United States including North Carolina. The application process and terms are the same nationwide — revenue-based underwriting, no personal collateral, decisions in days.
Variable freight revenue is common and expected. We use your 6-month average bank deposits to determine qualification, not a single month.
Yes. Working capital can be applied toward a truck down payment. This is one of the most common uses for trucking operators.
No. Revenue-based funding is structured against your business cash flow, not a lien on your equipment.
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