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FAQ · Pricing · Updated 2026-06-25

Which MCA funders are best for trucking in 2026?

Top MCA funders for trucking in 2026: Greenbox Capital (B-paper, owner-operators, 500+ FICO), Kalamata Capital (small fleets, 500+ FICO), NewCo Capital Group (new MAs as young as 4 months), Accord Business Funding (explicit trucking focus, B/C-paper), Mulligan Funding (mid-size carriers, A/B paper), and Credibly (3+ truck fleets, A/B paper). Avoid generalist tier-1 funders — most decline trucking outright.

By Keerthana Keti3 min read

Quick answer

Top MCA funders for trucking in 2026: Greenbox Capital (B-paper, owner-operators, 500+ FICO), Kalamata Capital (small fleets, 500+ FICO), NewCo Capital Group (new MAs as young as 4 months), Accord Business Funding (explicit trucking focus, B/C-paper), Mulligan Funding (mid-size carriers, A/B paper), and Credibly (3+ truck fleets, A/B paper). Avoid generalist tier-1 funders — most decline trucking outright.

Full answer

Why this ranking exists. Trucking is on the decline list at most generalist MCA funders (Credibly, OnDeck, Bluevine, Forward Financing) due to historical default rates and asset-heavy receivables structure. The funders below either explicitly underwrite trucking or have demonstrated case-by-case willingness. Rankings reflect 2026 underwriting box, pricing, and reputation — not paid placement.

Tier 1 — Active trucking underwriters (B/C paper). (1) Greenbox Capital — published minimum 6 months MA, $15K/mo, 500+ FICO. Funds single-truck owner-operators. Factor 1.32-1.45 typical. Direct funder. ISO commission caps published (rare transparency). Best for: solo owner-operators, lower credit, newer authority. (2) Kalamata Capital — 500+ FICO, $20K/mo, 6 months operating. Small fleets 1-5 trucks. Factor 1.32-1.45. Direct funder. B-paper friendly. (3) NewCo Capital Group — 500+ FICO, $15K/mo, 4 months operating (lowest TIB in mainstream MCA). Factor 1.35-1.49. Best for: new MA numbers under 6 months. (4) Accord Business Funding — 550+ FICO, $15K/mo, 6 months operating. Explicit trucking specialization. Factor 1.30-1.42. B/C-paper friendly.

Tier 2 — Will fund trucking with stronger files (A/B paper). (1) Mulligan Funding — 625+ FICO, $20K/mo, 12 months operating. Mid-size carriers 3-10 trucks. Factor 1.20-1.35. Better pricing than Tier 1 but tighter underwriting. (2) Credibly — published 550+ FICO floor; in practice declines most solo truckers but funds 3+ truck fleets with 18+ months history. Factor 1.11-1.30. Higher bar, materially better pricing if you qualify. (3) Libertas Funding — large-deal focus ($250K+). Will fund established carriers with strong P&L. Factor 1.18-1.30. Best for: 10+ truck fleets needing large lump sum.

Tier 3 — Specialized trucking-only funders. (1) Mantis Funding (now Credibly servicing post-2024 acquisition) — historically trucking specialist; underwriting box now folded into Credibly. (2) Some factor-adjacent products (Triumph, Apex, RTS Financial) offer 'cash advance' products bundled with factoring; structurally these are factor advances, not MCAs, and cheaper. Not a true MCA but worth considering if you already factor.

Tier 4 — Avoid for trucking. (1) Bluevine — declines most trucking outright. (2) OnDeck — declines owner-operators; selective on fleets. (3) Forward Financing — declines most trucking. (4) Shopify Capital, Square Capital, Stripe Capital, Amazon Lending, Toast Capital — channel-specific products that don't serve trucking at all. (5) PayPal Working Capital — eligibility limited to PayPal-processing merchants; rare in trucking.

Pricing snapshot by carrier size (2026). (1) Owner-operator (1 truck, $15-25K/mo): factor 1.35-1.49, advance $15-50K, term 4-8 months. (2) Small fleet (2-5 trucks, $40-100K/mo): factor 1.30-1.42, advance $50-150K, term 6-12 months. (3) Mid-size fleet (6-20 trucks, $150-500K/mo): factor 1.18-1.32, advance $100-500K, term 9-15 months. (4) Large fleet (20+ trucks, $500K+/mo): factor 1.15-1.28, advance $250K-$2M, term 12-18 months.

Red flags specific to trucking MCAs. (1) Brokers steering you to multiple stacked MCAs — common predatory pattern; trucking stacked debt has the highest default rates in MCA. (2) Funder that doesn't ask about your factor — they're either ignoring UCC priority issues that will blow up later, or they assume you don't factor (which means underwriting will be tighter than expected). (3) Factor 1.49+ on first deal — overpriced; multiple funders will quote 1.35-1.42 if you shop. (4) Required ACH on weekly settlement day — creates cash crunch right after fuel and insurance autodebits clear. Push for daily ACH instead.

How to shop trucking MCAs effectively. (1) Apply direct to 2-3 Tier-1 funders in parallel (Greenbox + Kalamata + Accord covers most owner-operator profiles). (2) Avoid broker submissions — broker markups on trucking deals are commonly 8-15%. (3) Time your application after a strong-deposit month, not after a slow week. (4) Have your factor's UCC position visible to the MCA funder; pretending it doesn't exist creates contract default risk later. (5) Negotiate the daily ACH amount — most funders will accept 0.5-1% lower daily debit if you push.

Bottom line for 2026. Best owner-operator funders: Greenbox, Kalamata, NewCo, Accord. Best small/mid-fleet funders: Mulligan, Credibly (for 3+ trucks with strong history). Best large-fleet funder: Libertas. Avoid generalist tier-1 funders that decline trucking and avoid brokers stacking multiple positions. For most broker-backed freight, factoring is still cheaper than any MCA — run that math first before taking an advance.

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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.