Trucking
Keep your fleet on the road.
Fast funding for trucking businesses in Florida. Apply in 60 seconds.
Why Trucking Businesses Need Funding
The real challenges trucking owners face
Truck Purchases and Lease Buyouts
A Class 8 truck costs $80K–$180K. Owner-operators and small fleets need financing that moves as fast as the deals they're pursuing.
Fuel Cost Volatility
Fuel is the largest variable operating cost in trucking. Spikes in diesel prices directly compress margins and can create cash flow emergencies.
Unplanned Maintenance
A blown tire, engine issue, or DOT violation can take a truck off the road for days. Repair capital needs to be available immediately.
Insurance Premiums
Commercial trucking insurance runs $10K–$20K annually per truck. Annual or semi-annual premium payments create significant cash flow events.
Luma Funding Options for Trucking
The right product for the right moment
Equipment Financing
Up to $500K
Purchase trucks, trailers, and specialized freight equipment with the asset as collateral.
Learn More →Cash Advance
$5K–$500K
Bridge fuel costs, maintenance emergencies, and insurance premium events.
Learn More →Business Loans
$10K–$500K
Fixed-payment capital for driver hiring, dispatcher software, or fleet expansion.
Learn More →My second truck was sitting at the auction and I had 48 hours to close. Luma funded the equipment loan overnight. I've got two trucks running full-time now.
Roberto S.
Owner-Operator Trucking
Hialeah, FL
$95K equipment financingaverage cost of a used Class 8 truck
truck drivers currently employed in the US
average Luma funding time
FAQ
Questions about funding your trucking business
Yes. Single owner-operators with a CDL, active FMCSA authority, and consistent dispatch revenue qualify. Bring 3 months of bank statements and your MC number.
Both. Dealer purchases are straightforward. Private party truck purchases require a bill of sale and VIN verification.
Yes. Dry van trailers, reefer units, flatbeds, and specialized freight equipment all qualify for equipment financing.
Older trucks may still qualify depending on condition and mileage. We may require an inspection or appraisal for vehicles over 10 years old.
Luma reviews bank deposits, not factoring receivables, for cash advance purposes. If your factoring deposits are consistent, you likely qualify. Discuss your structure with your advisor.
Get funded for your trucking business
Florida's fastest funding for trucking owners. Apply in 60 seconds.