How trucking underwrites
What differs here from the general order underwriters work in.
- Receivables are the whole business. Factoring arrangements are common and a funder needs to know whether receipts are already assigned before advancing against them.
- Fuel is the largest variable cost and it moves. A month that looks weak may be a fuel spike rather than lost revenue, and saying so in the file matters.
- Equipment breakdowns produce sharp one-month dips followed by recovery. Unexplained they read as decline; explained they read as exactly what they are.
- Deposits often cluster around broker or factoring payouts rather than arriving daily, which makes daily remittance capacity harder to read from averages alone.
The general order underwriters work in is covered in what funders actually look at. The points above are what differs here.
Why trucking deals get declined
Screen for these on the first call.
- An existing factoring agreement that already assigns the receivables
- Single-truck operations below the time-in-business floor
- Deposit patterns too lumpy for a daily remittance
- Authority revoked or safety rating problems surfacing in diligence
Funder appetite
Which funders want this paper, and when.
Genuinely split. Some funders will not touch trucking at any price after portfolio losses; others built relationships specifically for it and price competitively. Knowing which is which is most of the value a broker adds on these files — placing a trucking file with a funder who quietly does not want it produces a decline you generated.
Seasonality
Freight demand softens in the first quarter and tightens through summer. A January statement is not a January business, and files submitted in early spring often show the softest four months a carrier will have all year.
How we handle verticals
Leads are assigned in rotation off live traffic, not picked from a menu — we cannot promise a pure order of any single industry. What we can do is tell you honestly whether the volume exists to weight your leads toward trucking, before you spend anything.
Exclusive-lead minimums
Every exclusive lead clears all of these, whatever the vertical. The minimums apply to exclusive leads only.
- Over $30,000/month in revenue
- Requesting over $15,000
- 6+ months in business
- 4 months of bank statements available
- U.S.-based
- Mobile-verified by 6-digit code
- Complete contactable record
Questions
What revenue do trucking leads typically show?
$30K–$180K/month, clustered at the lower end for owner-operators, with advances typically landing at $15K–$75K. Every exclusive lead clears the same 7 minimums regardless of vertical.
Can I get only trucking leads?
Weighted toward trucking, yes, where volume allows; a guaranteed order of only trucking leads, no — leads are assigned in rotation. They come off live traffic rather than a menu, so a pure single-industry order is not something we can honestly promise. Weighting needs the volume to support it, and we will tell you plainly before you order whether it does. Trucking was the largest industry in our own flow: a little over a third of the 767 qualified leads our main Meta campaign produced in the week to 5 September 2026.
Why do trucking deals get declined most often?
An existing factoring agreement that already assigns the receivables, most commonly. The others worth screening for on the first call are single-truck operations below the time-in-business floor, deposit patterns too lumpy for a daily remittance, authority revoked or safety rating problems surfacing in diligence.
How much do the leads cost?
Exclusive, mobile-verified MCA leads run $65–$120 on the open market (checked 29 August 2026). Ours are $60 each, sold to one broker. Shared leads are $40 and aged leads are $0.35. Live submission data is quoted directly. Every band on the market, and the cost per funded deal, is in how much MCA leads cost.
Full pricing and the market context is on the buy page. The other three products have their own pages: shared MCA leads, aged MCA leads and live submission data.
Other verticals
$25K–$120K/month for independents
$50K–$400K/month, with a long tail above
$60K–$300K/month
$30K–$200K/month
$40K–$250K/month
$30K–$150K/month for independents, higher for multi-bay collision
$50K–$500K/month, scaling fast in either direction
$30K–$90K/month for a single location
$40K–$300K/month gross, with true margin a fraction of it
$30K–$120K/month for independents and single-location studios
$30K–$180K/month in season, far lower out of it
$60K–$600K/month
$80K–$700K/month gross, with margin a small fraction of it