Funding built for owner-operators, mid-fleet carriers, hot-shot, reefer, flatbed, and last-mile logistics. Trucks down = money lost.
$940B U.S. freight market — fuel and maintenance costs up 38% since 2020
You blew a turbo outside Amarillo. The shop quote is $11,400. You have $3K in checking. You're carrying a load worth $5,800 — but it pays in 35 days. You text three buddies for help, take a $2K cash advance on a personal credit card at 24%, and tell your wife you'll be home Wednesday instead of Sunday. Again.
With a working capital line, you wire the shop $11,400, get the turbo replaced overnight, and deliver the load on time. The broker bumps you to preferred. You skip the credit card debt spiral. Three months later you put $25K down on a second tractor and hire a driver. You're now a fleet, not a 1-truck operation.
If 2+ of these sound familiar, you don't have an operations problem — you have a capital problem.
The transmission went on I-80 in Wyoming. Repair quote: $14,800. Tow: $3,200. The load you're hauling is worth $4,500 and the broker pays in 45 days. Every hour costs you a load.
You ran 14,000 miles last month. Fuel cost $18K. The brokers owe you $94K. Comdata wants payment now. You're rich on paper and broke at the pump.
Annual insurance came in at $19K per truck. Add IRP, IFTA, and a DOT audit and you're staring at $40K out the door before your next settlement.
There's $400K in freight you keep turning down because you're a one-truck operation. The down payment on a used Kenworth is $25K and your credit isn't 'bank perfect.'
You're paying $4,200 a month to your factoring company just to get paid 'fast.' Over a year that's a brand new tractor you're handing them.
This is what trucking owners do with Pincutt funding — and what you'd do too.
Roadside repairs, transmission rebuilds, blown tires — funded same-week so your truck is earning, not parked.
A working capital line at a fraction of factoring rates means you keep your margin instead of giving it away on every load.
Equipment financing with the truck as collateral. Add capacity, take on the bigger contracts, scale into a real fleet.
Annual insurance, IRP, IFTA, ELD upgrades — handled in one shot, paid back over time as your trucks earn.
With cash reserves, you can bid on the contracts that pay better than load boards — and survive the 60-day payment terms.