Keep the fleet rolling.
From owner-operators on I-70 to mid-size fleets running the Midwest distribution lanes: trucks, trailers, repair bays and the working capital that holds it all together.
Columbus sits at the crossroads of I-70 and I-71 - connecting the East Coast, the Midwest and the South - making it one of the highest-volume freight hubs in Ohio. The transportation businesses operating here (regional trucking fleets running the Columbus-to-Pittsburgh and Columbus-to-Cincinnati lanes, freight brokers, last-mile operators serving the growing Amazon and fulfillment ecosystem, and 3PL distribution operators) finance a distinctive mix of assets and working capital that general lenders rarely understand correctly.
Tractors and trailers finance as equipment loans - usually 10-20% down with 48-72 month terms, secured by the unit. Carriers operating between net-30 and net-90 broker terms use invoice factoring or AR financing to bridge the cash gap; for established carriers, AR lines materially beat factoring on cost. Operating-authority startups (drivers who just got their MC number) have the tightest funding options outside personal credit and equipment-only loans.
Whitfield Credit routes Central Ohio transportation deals across all three stages. Owner-operators usually need equipment financing plus a small working capital cushion. Established 5-50 truck fleets qualify for AR lines, equipment refinancing at lower rates than original purchase pricing, and SBA-backed real estate loans for yard purchases. Larger operators add 401(k) ROBS structures, M&A facilities, and asset-based lending against rolling stock and receivables combined.
Every option starts with a soft credit pull. Pre-screen takes 60 seconds.
Owner-operators to fleet expansion
Capital to add tractors, cover insurance down payments, fuel up and bridge slow-pay receivables, built for Central Ohio trucking economics.
Same-day cash on freight invoices
Sell freight bills the day you deliver — non-recourse and recourse options with transparent advance rates.
New & used Class 8 and trailers
Single units or full fleets with structures sized for owner-operators and growing carriers alike.
Bridge fuel, insurance and slow pay
Lines of credit and short-term capital to scale operations through fuel-price swings and slow-pay shippers.
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