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Fueling Growth in the Transportation Industry: How to Use FinServe’s Recommended Lenders to Structure Funding

By Steve Conner, FinServeUSA.com

If you’re working with clients in the transportation industry, you already know the game: fuel prices fluctuate, maintenance costs never sleep, and payroll hits like clockwork…whether the trucks are rolling or not. To keep their operations running smoothly and to scale effectively, structuring smart funding isn’t just helpful—it’s critical.

At FinServe, our mission has always been to help our brokers and referral partners bring the right capital solutions to the table, with speed, strategy, and full transparency. When it comes to transportation companies, our recommended lenders are already tailored to meet the fast-moving needs of this industry. Here’s how to use them effectively—and how to quickly identify which funding options make the most sense for each client.

Step 1: Check the Bank Statements — Fast Clues to Funding Strategy

Before you go down the rabbit hole of funding options, always start with a quick review of the client’s bank statements. You want to look for signs of existing AR funding/factoring and MCA (Merchant Cash Advance) positions. Here’s what to watch for:

  • AR Funding Indicators
    Look for recurring deposits labeled from factoring companies—often names like RTS, TAFS, or even Meritus Capital. These suggest the client is already factoring their invoices and may need refinancing or a better rate.

  • MCA Clues
    Frequent withdrawals from companies like Arsenal Funding, Torro, TVT Capital, Ultra Funding other ACH pullers? That usually means they’re dealing with one or more MCAs.

If neither is present—no AR/factoring line and no MCA positions—you’ve got a greenfield opportunity to set them up the right way from the start.

Step 2: When There’s No Factoring — Set Them Up with Meritus Capital

If your transportation client doesn’t currently have an AR funding relationship in place, get Meritus Capital involved immediately. As one of our top-tier recommended funders, Meritus Capital specializes in transportation factoring and has the systems, experience, and speed to fund fast-growing or cash-strapped trucking companies.

Here’s why we trust Meritus Capital:

  • Same-day funding available on invoices

  • Simple onboarding, usually within 24–48 hours

  • Up to 95% advance rates and transparent fees

  • Deep expertise in the transportation vertical

Getting your clients into an AR facility with Meritus Capital not only stabilizes cash flow for your client but also provides you month-over-month commissions as your client receives funding each month. It also opens the door for larger opportunities like equipment financing or expansion lines down the road. This is foundational capital, and it gets your client out of the cash pinch cycle for good.

Step 3: Need a Fast Cash Boost? Use Ultra Funding for Quick Bridge Loans

Sometimes your client doesn’t have time to wait for factoring to kick in. Maybe they landed a new route, need to repair a key rig, or just need immediate working capital. That’s where Ultra Funding comes into play.

We recommend Ultra Funding for bridge loans because:

  • They specialize in short-term liquidity solutions

  • Application is light touch and approval is fast (same-day)

  • Great for clients with decent revenue but temporary cash crunch

Whether you’re covering payroll, fixing a truck, or scaling up for a contract, Ultra’s bridge loans fill the gap as if your client already has an AR/factoring line or other MCA positions.

Final Thoughts: Your Role as the Finance Broker

At the end of the day, your job isn’t just to sell capital—it’s to solve problems. By knowing how to spot a client’s funding gaps from their bank statements, and by plugging them into FinServe’s recommended lenders like Meritus Capital and Ultra Funding, you’re not just closing deals—you’re building long-term relationships and repeat business.

When transportation clients feel like someone finally “gets it,” they’ll come back for every truck, every route expansion, and every fleet upgrade. Rely on FinServe to help you make the right connections with great people who you can trust.

Let’s get rolling.
Need help evaluating a client or connecting with Meritus or Ultra? Reach out directly to book a meeting with Casey or myself.

– Steve Conner
President at FinServe