A new authority runs on cash before it runs on profit. Fuel is due this week, insurance wants a down payment, and your first broker pays net-30. A revenue purchase bridges that gap with money sized to your settlements. This is boutique funding: a person reads your file, not a scoreboard.
The first-year premium lands before the first steady lane does. Expect $9,000–$15,000 down on a new-venture policy, plus IRP plates, permits, and UCR fees.
Diesel is 30–40% of gross and it is due at the pump. Brokers settle in 30–45 days, so every load you haul is a small loan you hand your customer.
Factors advance 90–97% but hold reserves, charge 2–3.5%, and lock you into contracts. Fine tool for receivables — useless for the breakdown or the down payment on truck two.
A bank wants two years of tax returns, and a new authority has ninety days of ELD data and a settlement sheet. Their model grades history; your business barely has any. It is not a judgment on you — their box was never built for a one-truck carrier.
The asset does not help either. A used tractor with 400,000 miles is collateral no community bank will lend against, and your revenue — real, growing, documented — reads as volatile to a credit committee that has never seen a rate confirmation.
Trucking cash moves weekly: settlements land, fuel cards draft, the driver gets paid Friday. A revenue purchase matches that rhythm — we advance $15,000 to $50,000+ and remit a fixed slice of weekly revenue until the purchased amount settles. Slow week after a breakdown? The remittance shrinks with you.
Use it for the things factoring will not touch: the insurance down payment, the surprise turbo, the escrow for a dedicated lane that pays in 45 days. Then renew at better pricing once you are half paid down — carriers with six clean months behind them qualify for meaningfully more. Sharp terms, straight answers — that is the whole Cutting Cap model.
Cover the new-venture premium down payment, IRP plates, and permits so the authority goes active this month, not next quarter.
Run a dedicated lane that pays net-45 without touching personal cards — fuel, tolls, and driver pay covered for the first six weeks.
Put a real down payment on truck two and hire the driver you already have lined up, before the lane goes to someone else.
Once revenue is flowing, yes. We underwrite on your last three months of bank statements and settlements, so most new authorities are ready around month three or four of steady hauling. A day-old MC number with no deposits is too early — start the clock, then apply.
No. Factoring buys specific invoices you have already earned. A revenue purchase buys a slice of your future revenue — you get a lump sum now and remit weekly as loads settle. Many carriers use both: factoring for receivables, a purchase for everything else.
We read cash flow, not credit scores. Consistent settlements, a stable average daily balance, and growth month over month matter far more than a bureau number. Old dings do not disqualify you; empty accounts do.
A $15,000, $25,000, or $50,000 revenue purchase — and those are floors, not ceilings. We fund more when the financials support it. Apply in four minutes; decision in 24–72 hours.
