Typical funding range
$20,000 – $500,000 — that's the band most trucking in Texas fall into. Deals smaller than $10K are uncommon (the math rarely works for the funder). Deals over $250K typically require stronger profiles or collateral.
What funders look for
- Authority (MC number) for 6+ months is typical funder minimum
- $25K+/mo revenue commonly required
- Fleet size matters: 5+ trucks unlocks better terms
- Texas's 2026 sales-based financing registration law adds an extra disclosure step — most experienced trucking funders are already compliant
What to bring to the application
The faster you can ship these to a funder, the faster you close. Most underwriting decisions for trucking in Texas happen in 2–4 hours once docs are complete.
- Last 3 months business bank statements
- MC authority documentation
- Voided business check
- Driver's license for the majority owner
The math
A typical trucking deal in Texas lands at a factor rate between 1.25 and 1.42. On a $50,000 advance at 1.32, you'd repay $66,000 over 9–12 months — about $260–$305/day in ACH. Our factor rate calculator lets you plug in your own numbers.
Frequently asked questions
- Are MCAs available to owner-operators with one truck?
- Yes, but the bar is higher. One-truck operators typically need 12+ months operating, $20K+/mo revenue, and a 550+ credit score to access competitive factor rates.
- Does Texas's new 2026 commercial financing law affect my MCA?
- Yes — providers and brokers offering sales-based financing in Texas must register with the state and provide standardized disclosures including APR-equivalent. Most established funders are already compliant.
- Can I use an MCA to buy a truck?
- Technically yes, but equipment financing or a CDL truck loan will almost always be cheaper. Use an MCA for working capital, fuel, repairs, or filling a slow-paying-broker gap — not for hard-asset purchases.