Logistics & Freight
The 30-60 Day Freight Gap: Financing Receivables in Logistics
Freight and logistics businesses bridge the receivables cycle with a working capital line for fuel and payroll, receivables support where appropriate, and equipment financing that keeps rolling stock on its own schedule.
Three costs run ahead of cash
- Fuel and maintenance are paid immediately
- Driver payroll runs every week or two
- Broker and shipper payments settle on 30 to 60 day terms
| Fuel and driver payroll | Working capital line |
| Receivables timing | Receivables financing where appropriate |
| Tractors and trailers | Equipment financing on asset schedules |
| Expansion with new contracts | Structured step-up tied to signed freight |
Utilization, safety scores and contract mix are the underwriting story. Bring all three.
Contracts and lanes should anchor the plan, so capacity grows only as revenue is signed.
Frequently asked questions
Can receivables speed up?
Yes. Receivables programs can convert invoices into working cash where appropriate.
Should fleet additions wait for cash?
No. Structure additions against signed freight so payments trail the new revenue.