Funding for transport, trucking and logistics businesses.
A transport business pays for fuel, tolls, drivers and maintenance on every trip, and invoices the client afterwards on 30, 60 or 90-day terms. The gap between the two is where most of its funding goes.
Checked 21 September 2026
Your invoices are an asset.
If you invoice other businesses and wait weeks to be paid, invoice finance advances most of each invoice’s value as soon as it is issued, and is repaid when the client pays. It grows with the business: more loads, more invoices, more funding available.
Lenders look closely at who your clients are. Invoices to large, established companies carry more weight than invoices to a handful of small ones, and a single client that makes up most of your revenue is a risk they will ask about.
A new contract before the first payment
A new route or client means paying for fuel, drivers and sometimes extra vehicles for a month or two before the first invoice is paid. The signed contract is the strongest part of that application: have it, and your costs to deliver it, ready.
Vehicles and trailers
Trucks and trailers are usually financed against themselves, over a term close to their working life. Keep vehicle finance separate from working capital: one pays for the fleet, the other for running it.
- A debtors’ age analysis: who owes you, how much, and for how long.
- Your main contracts or rate agreements.
- Six months of business bank statements.
Lenders on Frank’s panel for this
These are the panel products that fit how a transport business is paid, on invoice and after the trip, and what it usually funds.
- Invoice finance
- If the money you’re waiting on is invoices, this converts them to cash now.
- Bridging finance
- If it’s a property sale, tender payout or insurance claim, bridging is the right shape.
- Term loan
- A short working capital loan can cover the gap if the wait is a few months.
- Line of credit
- Draw only what you need, when you need it, and pay for what’s drawn.
- Trade finance
- If the contract needs inputs to produce, trade finance sits alongside PO finance.
| Lender and product | Min. turnover | Min. trading | Amount | Security | Card sales | Credit record | Documents | Rate |
|---|---|---|---|---|---|---|---|---|
| Geddes Capital Invoice Factoring Invoice finance | R167k a month | 12 months | R200k to R15m | None | Not needed | Some adverse credit considered | 6 months’ bank statements, financial statements | 1.5–3% a month |
| Geddes Capital Bridging Finance Bridging finance | R167k a month | 12 months | R500k to R15m | Required | Not needed | Some adverse credit considered | 6 months’ bank statements, financial statements | 1.5–3% a month |
| Geddes Capital Secured Business Loan Term loan | R167k a month | 12 months | R500k to R15m | Required | Not needed | Some adverse credit considered | 6 months’ bank statements, financial statements | From prime + 2% |
| Pollen Finance Unsecured Business Loan Term loan | R83k a month | 12 months | R100k to R6m | None | Not needed | Some adverse credit considered | 6 months’ bank statements | Flat fee |
| Lula Cash Flow Facility Line of credit | R40k a month | 12 months | R10k to R5m | None | Not needed | Clean record | 3 months’ bank statements | 2–6% a month |
| Bridgement Revenue Advance Facility Revenue-based | R100k a month | 6 months | Not published | None | Not needed | Clean record | 3 months’ bank statements | 2–5% a month |
| Geddes Capital Trade Finance Trade finance | R167k a month | 12 months | R500k to R15m | Required | Not needed | Some adverse credit considered | 6 months’ bank statements, financial statements | 2–4% a month |
- Geddes Capital
Invoice Factoring · Invoice finance
- Min. turnover
- R167k a month
- Min. trading
- 12 months
- Amount
- R200k to R15m
- Term
- 12 to 120 months
- Security
- None
- Card sales
- Not needed
- Credit record
- Some adverse credit considered
- Documents
- 6 months’ bank statements, financial statements
- Rate
- 1.5–3% a month
- Speed
- 48 hours
- Geddes Capital
Bridging Finance · Bridging finance
- Min. turnover
- R167k a month
- Min. trading
- 12 months
- Amount
- R500k to R15m
- Term
- 3 to 12 months
- Security
- Required
- Card sales
- Not needed
- Credit record
- Some adverse credit considered
- Documents
- 6 months’ bank statements, financial statements
- Rate
- 1.5–3% a month
- Speed
- 1 week
- Geddes Capital
Secured Business Loan · Term loan
- Min. turnover
- R167k a month
- Min. trading
- 12 months
- Amount
- R500k to R15m
- Term
- 6 to 120 months
- Security
- Required
- Card sales
- Not needed
- Credit record
- Some adverse credit considered
- Documents
- 6 months’ bank statements, financial statements
- Rate
- From prime + 2%
- Speed
- 1 week
- Pollen Finance
Unsecured Business Loan · Term loan
- Min. turnover
- R83k a month
- Min. trading
- 12 months
- Amount
- R100k to R6m
- Term
- 6 to 8 months
- Security
- None
- Card sales
- Not needed
- Credit record
- Some adverse credit considered
- Documents
- 6 months’ bank statements
- Rate
- Flat fee
- Speed
- 24 hours
- Lula
Cash Flow Facility · Line of credit
- Min. turnover
- R40k a month
- Min. trading
- 12 months
- Amount
- R10k to R5m
- Term
- Not published
- Security
- None
- Card sales
- Not needed
- Credit record
- Clean record
- Documents
- 3 months’ bank statements
- Rate
- 2–6% a month
- Speed
- 24 hours
- Bridgement
Revenue Advance Facility · Revenue-based
- Min. turnover
- R100k a month
- Min. trading
- 6 months
- Amount
- Not published
- Term
- 3 to 9 months
- Security
- None
- Card sales
- Not needed
- Credit record
- Clean record
- Documents
- 3 months’ bank statements
- Rate
- 2–5% a month
- Speed
- 24 hours
- Geddes Capital
Trade Finance · Trade finance
- Min. turnover
- R167k a month
- Min. trading
- 12 months
- Amount
- R500k to R15m
- Term
- 6 to 120 months
- Security
- Required
- Card sales
- Not needed
- Credit record
- Some adverse credit considered
- Documents
- 6 months’ bank statements, financial statements
- Rate
- 2–4% a month
- Speed
- 1 week
These are each lender’s published minimums, not approvals. Every lender on the panel, side by side
Questions
Yes. Transport businesses often use invoice finance, because clients pay on 30 to 90-day terms. Lenders will look at who your clients are and how reliably they pay.
Invoice finance turns issued invoices into cash; a revolving facility covers running costs between payments. Which fits depends on whether the gap is on invoices already issued or before them.
Yes. A signed contract with a creditworthy client is a strong basis for funding the start-up costs of the route. Have the contract and your cost to deliver it ready.
Related
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