Quick answer
Owner-operator MCA requirements in 2026: 6+ months on your own MA (motor authority), $15,000+ in monthly business bank deposits, 500+ FICO, no current MCAs in default. Documents: 3-6 months of business bank statements, voided business check, driver's license, MC/DOT number, IRP/IFTA records. Funders that actively underwrite owner-operators: Greenbox Capital, Kalamata Capital, NewCo Capital, Accord Business Funding.
Full answer
Why owner-operators get declined by most MCAs. The trucking industry is on most generalist MCA funders' caution list — high default rates, asset-heavy businesses where receivables don't match book revenue (factoring takes those), high accident/insurance volatility, owner-operators often lack the 6-12 month deposit history MCAs underwrite to. Tier-1 funders (Credibly, OnDeck, Bluevine) decline most solo truckers outright. The owner-operator deal lives at B-paper funders.
Published minimums at trucking-friendly funders. (1) Greenbox Capital — 6 months on MA, $15K/mo deposits, 500+ FICO; will fund single-truck owner-operators. (2) Kalamata Capital — 6 months operating, $20K/mo, 500+ FICO; funds owner-operators and small fleets. (3) NewCo Capital — 4 months operating, $15K/mo, 500+ FICO; among the more inclusive criteria, accepts new MAs. (4) Accord Business Funding — 6 months operating, $15K/mo, 550+ FICO; explicit trucking focus. (5) Mantis Funding (now Credibly servicing) — 6 months, $20K/mo, 550+ FICO. (6) Most of these require the MA to be in YOUR name, not leased onto another carrier.
Document checklist for owner-operators. (1) 3-6 months of BUSINESS bank statements (personal account deposits don't count for most funders). (2) Voided business check. (3) Driver's license. (4) EIN letter. (5) MC and DOT numbers (verify clean in FMCSA SAFER). (6) Proof of operating authority (MCS-150 or equivalent). (7) IRP and IFTA registration. (8) Cab card. (9) Truck title or lease agreement. (10) Active commercial auto and cargo insurance certificates. (11) Optional: ELD report or settlement statements from your factor showing monthly gross revenue (helps if bank deposits look low because factor pays you net of fuel advances).
The leased-onto trap. If you operate under another carrier's MA (very common for new owner-operators), most MCAs will NOT fund you — they view you as a 1099 driver, not a business. You need your own MC number, your own insurance, and deposits coming into a business account in your business name (not personal). If you're leased on, expect to be declined; if approved, expect the factor rate to be 0.10-0.15 higher than carriers with their own authority.
Credit and background flags that kill deals. (1) Open MCA in default — instant decline at virtually every funder. (2) Tax lien (federal or state) — many funders decline; some (Greenbox, Kalamata) will fund if you're on an IRS installment agreement with proof. (3) Recent bankruptcy (under 24 months) — most decline. (4) Recent DOT out-of-service order or unsatisfactory safety rating — decline. (5) Cargo claims pending — funders factor this in. (6) New MA with less than 90 days of operation under it — most decline; NewCo and a few B-paper funders will fund at 4-6 months.
Typical pricing for owner-operators in 2026. Factor rates 1.32-1.49, terms 4-10 months, daily ACH $150-$400 depending on advance size. Typical advance $15,000-$75,000 for single-truck owner-operators; up to $150,000 for 3-5 truck small fleets with 12+ months operating history. APR-equivalent generally 60-120%. Renewals at 50% paid down typical; renewal pricing modestly better than initial deal (factor 0.03-0.05 lower) if payment history is clean.
How to improve your odds before applying. (1) Open a dedicated business checking account if you don't have one; route all carrier/broker payments there. (2) Stop intermingling personal expenses through the business account — funders read it as instability. (3) Get 3 clean months of business deposits before applying. (4) Pull your CAB report and FMCSA SAFER record; resolve any flagged items. (5) If you factor, make sure your factor pays into your business account (not direct to a fuel card) so the deposit history shows. (6) Apply direct to 1-2 funders in parallel, not through a broker — broker markups on owner-operator deals are often 8-15%.
Bottom line. Owner-operator MCAs are gettable in 2026 if you have your own MA, 6+ months of business deposits, $15K+/mo revenue, and 500+ FICO. Pricing will be B-paper (factor 1.32-1.49) — accept that going in. Apply direct at Greenbox, Kalamata, NewCo, or Accord; avoid broker stacking that masks markup. If you have factorable invoices, run the math against factoring first — for most broker-backed freight, factoring is 10x+ cheaper and the better answer.
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Methodology. Fundnode is an independent funding-platform that scores merchants against our 100-funder database. We earn referral fees from funders when merchants apply via Fundnode. Editorial rankings and answers are independent of fee structure. Updated 2026-06-25.