The Pinch Points
Why Fleet Maintenance Owners Come to Us Instead of Their Bank
Fleet maintenance is a contract business, which means it's a receivables business whether you planned it that way or not — you sign a fleet, front the parts and labor every month, and wait net-30 or net-60 to get paid while the next month's work is already on the lifts. These are the spots where we get called.
The Contract-AR Gap
Fleet contracts bill net-30 to net-60; a growing operation can carry $75K–$400K in receivables on service already performed, the single biggest cash constraint in the business.
The Parts & Labor Front
You front the parts and the labor on every fleet's work, paid out weeks before the contract invoice settles.
The Equipment to Win Bigger Fleets
Landing larger fleet contracts means the lifts, diagnostics, and bay capacity to service more vehicles — $50K–$150K in equipment to qualify for the work.
The Scale-to-Contract Ramp
Winning a big fleet means staffing and stocking ahead of the contract start — capital out before the first invoice goes out.
The Mobile-Service Investment
Many fleets want on-site service; a fitted service truck is $80K–$150K, fronted to win the contract that justifies it.
Adding Capacity or Acquiring a Competitor
Expanding the operation or acquiring a competitor's fleet book is a $300K–$2M move — equipment, mobile units, and the AR float of active contracts.
What an operator said
“Every new fleet we signed made the cash crunch worse, not better — we were fronting more parts and labor and waiting longer to get paid. The AR line broke that; now signing a bigger contract is a growth move, not a cash-flow gamble.”
A. Okafor · fleet maintenance company · Atlanta, GA
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Fleet Maintenance Companies
A Line Against Fleet-Contract Receivables
A working line advances against your net-30/60 contract AR, so fronting the next month's parts and labor is never a cash decision.
Equipment to Win Bigger Contracts
Financing the lifts, diagnostics, and mobile units lets you take on larger fleet contracts than your current capacity could service; §179 offsets the buildout the year it's done.
Working Capital for the Scale-Up Ramp
An unsecured, revenue-based working line funds the staffing and stocking a new contract demands before its first invoice settles.
Revenue-Based Expansion & Acquisition Capital
Expand capacity or acquire a competitor's fleet book on revenue-based, capital-stacked financing — not an SBA queue.
Match Your Situation
The Cash-Flow Gaps We Fund for Fleet Maintenance Companies
Match your situation to the structure. Every one of these funds on the operation's revenue, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Contract-AR gap | Net-30 to net-60 receivables on fleet service already performed | Invoice Factoring | $75K–$400K | 1–2 days |
| Parts & labor front | Parts and labor fronted weeks before the contract invoice settles | Working Capital | $75K–$200K | 1–3 days |
| Equipment to win bigger fleets | Lifts, diagnostics, and bay capacity to qualify for larger contracts | Equipment Financing | $75K–$150K | 3–5 days |
| Mobile-service investment | A fitted service truck to win on-site fleet contracts | Equipment Financing | $80K–$150K | 3–5 days |
| Capacity or acquisition | Expanding the operation or acquiring a competitor's fleet book | Business LOC | $300K–$2M | 1–5 days |
The Products
How Fleet Maintenance Financing Is Structured
Most fleet maintenance files fund between $75K and $5M+, structured around the contract AR and the equipment. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Invoice Factoring | $75K–$5M+ | Per invoice | Net-30/60 contract receivables | 1–2 days | Invoices secure the line, no PG typically |
| Equipment Financing | $75K–$5M+ | 3yr–7yr | Service lifts, diagnostics, mobile units | 3–7 days | Equipment serves as collateral |
| Working Capital | $75K–$5M+ | 6mo–10yr | Scale-up ramp, parts and labor front | 1–3 days | Often unsecured, revenue-based |
| Business LOC | $75K–$5M+ | Revolving | Ongoing contract draws | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on Fleet-Service Equipment — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“Fleet maintenance is a contract business, which means it's a receivables business whether you planned it that way or not — you sign a fleet, front the parts and labor every month, and wait net-30 or net-60 to get paid while the next month's work is already on the lifts. Grow the book and the AR grows with it, until cash flow, not capability, caps how many fleets you can take. We fund the contract-AR gap so you can front the work without flinching, and the equipment to qualify for bigger fleets — where §179 hands back roughly $61,420 on $166K of gear. Win the contract, service it from day one, and let the size of your book — not the size of your bank balance — decide how big you grow.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between a fleet maintenance file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Fleet Maintenance Company Financing
A Receivables Business by Design
A fleet maintenance operation is a B2B business with a B2B cash-flow problem. You service corporate and municipal fleets on contract, front the parts and the labor on every month's work, then bill net-30 to net-60 while the next month is already underway. Grow the book and the receivables grow with it, until cash flow — not capability — caps how many fleets you can take on. The equipment to win bigger contracts only deepens the front.
One Application, 70+ Lenders
We fund fleet maintenance companies on the operation's revenue — a line that advances against net-30/60 contract AR, equipment financing on the lifts, diagnostics, and mobile units with §179 on the buildout, and a working line for the scale-up ramp. One application, 70+ lenders, soft-pull review. Sign the bigger fleet, service it from day one, and let the lenders compete for your business.
Common Questions
Fleet Maintenance Financing — Questions, Answered
Yes — a working line advances against your net-30/60 contract AR.
Yes — equipment financing covers the lifts, diagnostics, and mobile units, with §179 offsetting the buildout.
Yes — an unsecured, revenue-based line funds the staffing and stocking before the first invoice settles.
Signed application, four months bank statements, P&L, balance sheet, two years returns; losses → four months statements. Soft credit pull only — zero FICO impact to see your range.
Yes — equipment and the AR float stacked revenue-based, not an SBA 7(a) loan.
Recommended Funding