Equipment financing powered by TFS Financial

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Equipment financing powered by TFS Financial

Working Capital – Fast Access to Cash

Get flexible working capital to cover expenses, take on opportunities, and keep your trucks moving. Fast decisions and quick access to capital when you need it.

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What Can Working Capital
Be Used For?

Working capital is designed for everyday business needs, including:

Truck repairs and maintenance

Fuel and operational expenses

Inventory or materials for deliveries

Growth initiatives

Unexpected expenses or cash flow gaps

Why Choose Working Capital?

Get fast, flexible access to cash without the delays of traditional lenders.

Fast & easy

Rapid turnaround on decisions

Flexible funding

$6,000 – $300,000 based on your business needs*

Short-term structure

6–15 month terms

Simple application

Just an application and 3 months of bank statements (4 months in CA) or Plaid

No collateral

Use funds for whatever your business needs

Built for operators

Ideal for businesses running ~100K miles/year and registered with the SAFER (DOT) system

How It Works

Get fast, flexible access to cash without the delays of traditional lenders.

Apply in minutes

Complete a simple online application

Get approved quickly

Fast credit decisions, often same day

Access funds fast

Capital available shortly after approval

How It’s Different from
TRUCK Financing?

Working Capital​

  • Used for cash flow and operations
  • Unsecured (no collateral required)
  • Short-term (6–15 months)
  • Fast access to funds
  • Flexible use

TRUCK Financing

  • Used to purchase equipment
  • Secured by the equipment
  • Longer repayment terms
  • Structured for large asset purchases
  • Specific to equipment

FAQ

Everything you need to know to about working capital

How fast can I get funded?

Decisions are typically made the same day (often within hours), with funding provided shortly after approval.

How much can I qualify for?

Funding from $6,000 depending on your business profile.*

What do I need to apply?

A simple application plus 3 months of bank statements (4 months in CA), or you can connect your bank account via Plaid.

Do I need collateral?

No — this is an unsecured working capital solution.

How long are the terms?

Terms range from 6 to 15 months.

Can I use this with equipment financing?

Yes — many businesses use both to support operations and growth.

*on approved credit

Working capital helps you stay flexible, competitive, and ready for what’s next.

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