Transportation Financing

Keep the fleet rolling.

From owner-operators to mid-size fleets — trucks, trailers, repair bays and the working capital that holds it all together.

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Transportation financing for Long Beach businesses

The Port of Long Beach, paired with the adjacent Port of Los Angeles, moves more than a third of all containerized U.S. imports. The transportation businesses serving the ports — drayage carriers, regional trucking fleets, freight brokers, customs brokers, warehousing and 3PL operations — finance a distinctive mix of assets and working capital that general lenders rarely understand correctly.

Tractors and trailers finance as equipment loans, usually 10-20% down with 48-72 month terms, secured by the unit. Carriers operating between net-30 and net-90 broker terms use invoice factoring or accounts receivable lines to bridge the cash gap; for established carriers, A/R lines materially beat factoring on cost. Operating authority startups — drivers who just got their MC number — have the tightest funding options outside of personal credit and equipment-only loans.

We route Long Beach transportation deals across all three stages. Owner-operators usually need equipment financing plus a small working capital cushion. Established 5-50 truck fleets qualify for A/R lines, equipment refinancing at lower rates than original purchase pricing, and SBA-backed real estate loans for yard purchases. Larger operators add 401(k) ROBS structures, M&A facilities, and asset-based lending against rolling stock and receivables combined.