The Pinch Points
Why Heavy-Haul Operators Come to Us Instead of Their Bank
Heavy-haul fronts the trailer, the permits, and the escorts on six-figure loads months before the shipper pays net-45. Banks want collateral coverage; our lenders read the lanes. Sound familiar?
Wind-Turbine Contract, Step-Deck First
You won a contract hauling wind turbine components — 18 loads at $12K each. But you need a $95K step-deck trailer and $8K in specialized securement equipment before the first load.
Permits Due Now, Load Pays Net-45
Oversize permit fees, escort vehicles, and route planning for a 150,000 lb transformer move cost $15K upfront. The load pays $28K but the shipper pays net-45.
DOT Flagged the Deck, Three Loads Booked
Your flatbed trailer deck is warped and failing DOT inspection. Re-decking costs $8K. You've got 3 loads booked this week that require a flat deck.
Volume Doubles, $155K in Iron
You're hauling steel coils for a manufacturing plant — 12 loads/month at $6,500 each. They want to double your volume but you need a second tractor and conestoga trailer totaling $155K. The increased revenue covers payments by month 3.
40 Loads of Steel, $22K Upfront
A bridge replacement project needs 40 loads of structural steel beams at $9K per load. Escort vehicles, overweight permits, and route surveys cost $22K upfront. The GC pays net-45 on a $360K contract.
The RGN the Bank Won't Touch
The load board pays heavy-haul premiums, but only if you own the trailer that can carry it. The RGN that wins the oversized freight is the one piece of equipment a bank won't touch without two years of perfect books.
What an operator said
“Warped the lowboy deck on a bridge-beam haul. The reserve line covered the rebuild that week — didn't miss the next permit window.”
Dwayne R. · heavy-haul operator · Amarillo, TX
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 Heavy-Haul Operators
Fund the Heavy-Haul Rig, Section 179
Buy the heavy-haul tractor and detachable RGN lowboy together — Section 179 returns a year-one write-off bigger than the down.
Cover Permits and Escorts
A working-capital line covers permit fees, pilot cars, and securement gear that bill before the load pays.
Advance on Oversized-Load Invoices
Turn oversized-load receivables into same-week cash with an A/R line, instead of carrying broker net terms on six-figure hauls.
Reserve for the Lowboy
A maintenance reserve line keeps the lowboy's hydraulics and decking road-legal between heavy hauls.
Project-Contract Financing
Fund against the awarded oversized-load contract before the haul settles — the structure sizes on the signed work, not on two years of returns.
Add a Specialized Trailer
A term structure adds a second specialized trailer — step-deck, stretch, or multi-axle — as contracts grow.
Match Your Situation
The Cash-Flow Gaps We Fund for Heavy-Haul Operators
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 | |
|---|---|---|---|---|
| RGN / lowboy acquisition | A detachable-gooseneck lowboy is the one asset that wins oversized freight and the one a bank won't size on revenue. | Equipment Financing | $120K–$350K | 3–7 days |
| Permit and escort capital | Multi-state oversize permits, pilot cars, and route surveys bill $10K–$22K upfront before a heavy load pays. | Working Capital | $75K–$150K | 1–3 days |
| Trailer deck replacement | A warped apitong or steel deck flagged by DOT has to be road-legal before this week's booked loads. | Equipment Financing | $75K–$150K | 3–7 days |
| Second specialized trailer | A growing steel or machinery contract needs a step-deck, stretch, or multi-axle added to the fleet. | Equipment Financing | $120K–$300K | 3–7 days |
| Oversized-load receivables | Six-figure hauls pay net-45 while permits and fuel for the next move are due now. | Invoice Factoring | $75K–$5M+ | 1–2 days |
The Products
How Heavy-Haul Financing Is Structured
Most heavy-haul files fund between $75K and $5M+, structured to the trailer, the permits, or the contract 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 | RGN/lowboy, step-deck, multi-axle configurations | 3–7 days | Equipment serves as collateral |
| Working Capital | $75K–$5M+ | 6mo–10yr | Permits, escorts, securement, payroll | 1–3 days | Often unsecured, daily/weekly ACH |
| Invoice Factoring | $75K–$5M+ | Per invoice | Oversized-load net-45 receivables | 1–2 days | Invoices secure the line, no PG typically |
| Business LOC | $75K–$5M+ | Revolving | Tarping, chains, and securement refresh | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on a Heavy-Haul Rig — Tractor and RGN Lowboy — 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
“On heavy-haul the trailer outprices the tractor and wins the freight the tractor can't touch. A bank wants two years of perfect books for that RGN — I'd rather fund it on the loads it's about to carry. §179 writes off more in year one than you put down. Let your CPA model 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 flatbed / heavy haul 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
Flatbed & Heavy-Haul Financing
The Trailer That Wins the Freight Is the One Banks Won't Touch
Heavy-haul and oversized freight pays the best rates on the load board, but only to the carrier who owns the RGN, stretch, or multi-axle that can legally carry it. That trailer can outprice the tractor, and a bank wants two years of perfect books before it will finance it. Our lenders read the heavy-haul lanes and the revenue they generate, and they fund the trailer, the permits, and the escorts on that reality — not on collateral coverage alone.
One Application, 70+ Lenders
A $95K step-deck for a wind-turbine contract, $22K in permits and escorts on a bridge-steel project, or an emergency re-deck before DOT parks you — we connect you with 70+ lenders who fund flatbed and heavy-haul operators 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
Flatbed / Heavy Haul Financing — Questions, Answered
Yes — an RGN or multi-axle heavy-haul trailer can be funded as a standalone structure or paired with the tractor, sized on revenue, $75K–$5M+.
Yes. Working capital covers oversize permits, pilot cars, and route surveys, funded in 1–3 days so you don't miss a high-paying heavy-haul move.
Yes — a step-deck, stretch, or multi-axle trailer is funded as a structure sized on lane revenue, $75K–$5M+, as your contract base expands.
No. Soft credit pull only — zero FICO impact.
Equipment financing sizes the trailer on lane revenue rather than collateral coverage or years in business, so you can bid the contract; soft-pull review to start.
Recommended Funding
The Products That Fit Flatbed / Heavy Haul Work
Equipment Financing →
Finance the heavy-haul tractor, RGN lowboy, and specialized trailers — the equipment is the collateral.
Working Capital Loans →
Front oversize permits, pilot cars, and securement gear before the load ships.
Invoice Factoring →
Get paid today on six-figure oversized hauls while shippers take net-45.
Business Line of Credit →
Draw for tarps, chains, and securement that refresh after every DOT inspection.