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Receivables financing for transportation and logistics

Transportation and logistics financing advances working capital against the invoices you’ve billed for delivered freight and services — so fuel, drivers, and operations don’t wait on slow-paying customers. BuildUp Capital provides it as a receivables-backed line of credit secured by invoices owed to large, creditworthy shippers, 3PLs, and brokers. You haul the load; we make sure cash isn’t parked on net terms. Available nationwide.

In freight and logistics, the money is always one payment cycle behind the work. Fuel, maintenance, and driver pay are immediate; the customer’s invoice clears in 30, 45, or 60 days. Carriers and logistics firms that are growing fast feel it hardest — every added lane or truck is more cost out before the receivable lands.

We finance the receivables those completed loads generate, secured by what creditworthy shippers, 3PLs, and brokers owe you. The line frees the cash trapped in delivered invoices so you can cover operations and take the next load, and it grows as your billings grow.

How it works

From unpaid invoice to working capital

Bring your delivered invoices

Tell us who you bill — shippers, 3PLs, or brokers — and what’s outstanding on completed loads and services.

We underwrite the payer

We focus on the creditworthiness of the customers behind your invoices and the validity of your billing, not just your own credit.

Draw and repay as you’re paid

Advance against eligible receivables as you invoice, and repay as customers pay. The line scales with your billings.

Transportation businesses we finance

Common questions

Questions about transportation & logistics financing

How is this different from traditional freight factoring?
Traditional freight factoring sells your invoices to a factor who collects from your customers. We structure a receivables-backed line of credit instead — you borrow against the invoices and keep your customer relationships and collections.
Whose invoices can be financed?
Invoices owed by large, creditworthy shippers, 3PLs, and brokers on standard terms. The strength of who owes you is central to how the line is underwritten.
Can it cover fuel and driver pay between payments?
Yes — that’s the point. You advance against delivered-load invoices now rather than waiting 30 to 60 days, so operating costs stay covered between customer payments.
Does the line grow as I add trucks or lanes?
Yes. Because it’s tied to your receivables rather than a fixed cap, available credit scales as your billings grow.
Do I need real estate?
No — the line is secured by your receivables. If you own real estate and need a larger facility, we can lend against that too.

How we structure it

Receivables programs behind this

Other industries we finance

All receivables financing →

Stop waiting on net-60 to fund your business.

Tell us who owes you. If your receivables are owed by large, creditworthy companies or government agencies, you’ll know quickly — and a real person responds within 24 hours.