The Pinch Points
Why Courier Fleets Come to Us Instead of Their Bank
Courier fleets front the vans, the chargers, and the drivers before a new route's revenue ramps. Banks balk at EV resale value; our lenders read the route contracts. Sound familiar?
Medical Lab Route, Two Vans in Three Weeks
A medical lab wants you to handle all specimen deliveries — 40 stops/day. You need 2 more cargo vans ($35K each) and a driver before the contract starts in 3 weeks.
Dead Van, 25 Stops a Day
Your primary delivery van needs a new engine — $6K. You make 25 deliveries/day in that van. Renting a replacement costs $200/day while it's down.
Pharma Route, Temp-Controlled Van
A pharmaceutical company offered you a dedicated route worth $8K/month. Setup costs include a temperature-controlled van ($42K), GPS tracking ($2K), and compliance certifications ($3K).
Transmission Out, Pharmacy at Risk
Your primary delivery van's transmission failed — $5,400 repair on a 2020 Transit. It handles 25 stops/day for a pharmacy client. Every day it's down you're paying a rental at $185/day and risking the contract.
Four-County Route, Van and Driver First
A law firm needs same-day document delivery across 4 counties — $8K/month guaranteed. You need a second driver ($3,800/month), a dedicated van ($26K), and a $2,200 GPS tracking system before they'll finalize the agreement.
EVs the Bank Won't Price
Electric delivery vans cut your per-mile cost — but only after you own them. The banks that can't value the new powertrain quote you a rate as if the asset doesn't exist.
What an operator said
“Wanted to move the route fleet to electric. The lender funded the vans and the chargers together — the bank wouldn't even price the EVs.”
Andre L. · Courier Fleet · Sacramento, CA
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 Courier Fleets
Fund the Van Fleet, Section 179
Section 179 covers the delivery-van fleet, electric or gas, with a deduction that beats the cash you put down.
Cover Charging and Driver Costs
A working-capital line covers charging infrastructure and driver costs before route revenue ramps.
Advance on Courier-Contract Invoices
An A/R line pays you on courier-contract billings the day they post, not when each account clears net terms.
Reserve for Vans and Chargers
Set aside a maintenance reserve so vans and chargers stay road-ready without denting working capital.
EV Fleet & Charger Financing
Vans and charging infrastructure funded as one asset package — sized on route revenue, regardless of how a bank values EV resale.
Fund Replacement Cycles and the Next Route
A term structure funds fleet replacement cycles and the next route's vehicle count.
Match Your Situation
The Cash-Flow Gaps We Fund for Courier Fleets
Match your situation to the structure. Every one of these funds on your revenue, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| EV and van fleet acquisition | A new route needs added vans, electric or conventional, that a bank won't value on resale. | Equipment Financing | $100K–$300K | 3–7 days |
| Charging infrastructure | Moving a route fleet to electric means chargers and electrical work funded alongside the vans. | Equipment Financing | $75K–$150K | 3–7 days |
| Dedicated route setup | A pharma or medical route needs a temp-controlled van, GPS, and compliance certs before it starts. | Working Capital | $75K–$150K | 1–3 days |
| Van breakdown reserve | A van handling 25 stops a day can't sit on a rental at $185/day without risking the contract. | Working Capital | $75K–$150K | 1–3 days |
| Courier-contract receivables | Routes pay net terms while chargers, drivers, and the next van are due now. | Invoice Factoring | $75K–$5M+ | 1–2 days |
The Products
How Courier Fleet Financing Is Structured
Most courier files fund between $75K and $5M+, structured to the vans, the charging, or the route in front of you. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Equipment Financing | $75K–$5M+ | 2yr–10yr | EV and conventional vans, charging equipment | 3–7 days | Equipment serves as collateral |
| Working Capital | $75K–$5M+ | 6mo–10yr | Charging buildout, driver costs, route setup | 1–3 days | Often unsecured, daily/weekly ACH |
| Invoice Factoring | $75K–$5M+ | Per invoice | Courier-contract net-term receivables | 1–2 days | Invoices secure the line, no PG typically |
| Business LOC | $75K–$5M+ | Revolving | Fuel, charging, and maintenance across the fleet | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on an Electric Delivery-Van Fleet — 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
“Most banks can't price an electric delivery van, so they price it like it isn't there. I fund the vans and the chargers on what the routes earn — EV or not. §179 still writes off more than the down payment; your CPA runs it.”
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 courier / delivery 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
Courier & Delivery Van Financing
Funding the Fleet a Bank Won't Value
Electric delivery vans cut per-mile cost, but a bank that can't price the new powertrain quotes the fleet as if the asset doesn't exist — and the EV resale discomfort sinks the financing. Courier operators scale on route and contract revenue, not on a lender's comfort with vehicle valuation. Our lenders read the route contracts and fund the vans, the charging infrastructure, and the drivers on that, so a fleet upgrade or a new route doesn't stall on a valuation question.
One Application, 70+ Lenders
A $42K temperature-controlled van for a pharma route, charging infrastructure funded alongside the vans, or an emergency engine before you're paying $200/day on a rental — we connect you with 70+ lenders who fund courier fleets every week. Equipment financing, working capital, A/R, and lines of credit — $75K to $5M+, on your revenue. One application, soft-pull review to start.
Common Questions
Courier / Delivery Financing — Questions, Answered
Yes — the vans and charging infrastructure fund as one structure sized on route revenue, $75K–$5M+, regardless of how a bank values EV resale.
Yes. A temp-controlled van, GPS, and compliance certs for a pharma or medical route are funded together, sized on the contract revenue behind the route.
Working capital funds in 1–3 days so a van handling 25 stops a day isn't sitting on a rental while the contract is at risk.
No. Soft credit pull only — zero FICO impact.
Equipment financing sizes the fleet on route and contract revenue rather than EV resale value, so the vans and chargers fund together; soft-pull review to start.
Recommended Funding
The Products That Fit Courier / Delivery Work
Equipment Financing →
Finance EV and conventional vans plus charging equipment — the vehicles are the collateral.
Working Capital Loans →
Fund charging buildout, driver costs, and dedicated-route setup before revenue ramps.
Invoice Factoring →
Convert courier-contract receivables into immediate cash for fleet expenses.
Business Line of Credit →
Draw for fuel, charging, and maintenance across the route fleet.