Who this is for
For trucking companies, freight carriers, dispatch and logistics operators, and owner-operators managing the gap between paying for a load and collecting on it. Goldhour Capital is a New York business funding brokerage that matches owners with funding partners, with funding options up to $2M.
When cash gets tight
Freight demand and cash needs vary by route, customer mix, and freight type. Many operators see activity build ahead of late-year holiday shipping, often in September through December, while January and February can be uneven after the peak. Produce, agriculture, construction, and retail freight each follow different calendars. Plan around your own customer orders, lane mix, insurance renewal dates, and time from delivery to collected payment rather than assuming one season applies to every carrier.
The cash crunches
Where logistics and freight feel the pinch.
01
Fuel and tolls before settlement
Drivers need fuel, tolls, and other trip costs covered while a load is underway. Payment from a broker or shipper may arrive only after delivery paperwork is submitted and processed.
02
Receivables waiting on paperwork
A signed proof of delivery, rate confirmation, or corrected invoice can affect when a load is approved for payment. Disputes, missing documents, and billing reviews can stretch the cash gap.
03
Truck and trailer repairs
A breakdown, tire replacement, or preventive maintenance can take a vehicle out of service and bring an unplanned bill before the next loads pay.
04
Payroll and contractor pay
Drivers and dispatch staff need to be paid on schedule even when customer invoices are still outstanding. Adding a driver or covering a busy week can raise cash needs before collections land.
05
Seasonal capacity and insurance costs
Busy shipping periods can call for more fuel, temporary capacity, and maintenance spending. Insurance renewals, deposits, and other periodic costs can also land when receivables are still in transit.
What owners fund
Say yes to the next move.
- Diesel, fuel cards, tolls, and trip expenses before settlement
- Truck, tractor, and trailer repairs, tires, and preventive maintenance
- Driver payroll, recruiting, and onboarding for added capacity
- Insurance premiums, renewals, and deposits
- Dispatch, tracking, and transportation management software
- Working capital while invoices await proof-of-delivery review, factoring, or customer payment
- Trailer leasing, replacement equipment, or fleet additions
- Warehouse, cross-dock, and yard costs tied to a new route or contract
Funding that tends to fit
Can be worth exploring when delivered loads are documented and invoices to creditworthy brokers or shippers are awaiting payment. Compare advance structure, reserves, recourse terms, and notification requirements.
May suit recurring working-capital swings, such as fuel and payroll costs between dispatch and collections, when the business needs to draw for specific gaps and repay as cash comes in.
May fit a defined purchase such as a tractor, trailer, or other business equipment, with the equipment tied to the financing structure. Review down payment, term, and any lien requirements.
Example
A regional carrier has several completed loads awaiting customer payment and needs to cover diesel, driver payroll, and a time-sensitive trailer repair before its next dispatch cycle. The owner uses funding to bridge those operating costs, then reviews the full offer terms against expected collections before deciding whether to proceed.
Why Goldhour
Every offer, in daylight.
- See each offer in plain English, side by side, including cash that lands, every fee by name, total payback, payment, term, and exit terms before you sign.
- Submit one application, speak with one company, and your information is not sold or shared.
- Work with the same named specialist before and after funding, with the option to use Offer Decoder to translate an offer you already have.
Have these ready
- Recent business bank statements and monthly revenue information
- A current list of open invoices, including invoice dates, customer or broker, and expected payment timing
- Sample rate confirmations, bills of lading, and proof-of-delivery documents
- Basic fleet details, including owned or financed trucks and trailers, plus any planned equipment purchase
- Business information and ownership details for the application
- A short outline of the use of funds and the timing of upcoming fuel, payroll, repair, or insurance costs
See your options
Know what lands, what it costs, and how it fits your next dispatch cycle.
How much are you looking for?
Logistics and freight: questions owners ask
What funding options can a trucking or freight business explore?
Depending on the business and use of funds, options may include invoice factoring, a line of credit, equipment financing, or other partner offers. Goldhour matches owners with funding partners and lays out the terms for comparison. The partner sets its offer terms.
Can funding help while freight invoices are still unpaid?
It may. Invoice factoring is one option some carriers explore when they have completed loads and properly documented invoices awaiting payment. Partners may review invoice quality, proof of delivery, customer payment history, and any existing factoring arrangements.
What should I compare in a funding offer?
Compare the cash that lands, every fee by name, total payback, payment amount and schedule, term, and exit terms. Also check how payments fit your settlement cycle and whether the offer has conditions tied to invoices, equipment, or account activity.
Can I use funding for a truck, trailer, or repair?
Owners may explore equipment financing for a defined vehicle or trailer purchase, or other funding options for repairs and operating costs. The suitable structure depends on the asset, business finances, and partner terms.
What information should a freight business have ready?
Recent business bank statements, open invoice details, sample rate confirmations and delivery paperwork, fleet information, and a clear use of funds are useful starting points. A funding partner may request additional details during review.
Who does Goldhour usually work with?
Owners we usually work with have been in business for 1+ year, have $50K+ in monthly revenue, and have 550+ credit. Those are typical-fit markers, not rejection rules or a promise of an offer. Goldhour can help explain available options based on the business and partner review.
Make the most of the light.
One short application. One company calls you. Every offer laid out in plain English before you sign.