MCA Relief for Trucking & Logistics
Freight Pays in 30 to 60 Days. Your Advance Pulls Every Day.
Fuel, insurance, and repairs are due now. The freight invoice isn't. Carriers and owner-operators stack merchant cash advances to bridge the gap. Spearpoint helps trucking companies settle what they owe and keep the trucks rolling.
Why Carriers Get Caught in the Gap
A truck goes down, a broker pays late, and diesel jumps in the same month. The work is real and the revenue is coming, but it lands weeks after the bills. That gap is exactly what merchant cash advances are sold to fill.
The trouble is timing. Freight invoices pay in bursts, long after the miles, while an advance pulls a fixed amount every day. Stack a second and third advance, and the daily debits start competing with fuel, payroll, and insurance for the same dollars.
We check your lien situation first
Many advances come with a blanket UCC lien on your receivables. If you also factor invoices, those two claims can collide. We review every filing and agreement so we know what each funder can and can't touch before we negotiate anything.
Built around your fleet and your lanes
A five-truck fleet and a single owner-operator have very different cash flow. We build your plan from your actual settlements and bank activity, not a template.
Designed to keep you hauling
Your trucks, insurance, and operating authority are what keep you in business. Our plan is built around protecting day-to-day operations while we negotiate with your funders.
Questions Carriers Ask
Can you help if I use a factoring company?
Often, yes, but it changes the plan. A factoring agreement and an advance lien can claim the same receivables, so we review both before we negotiate anything.
What about my truck notes and equipment financing?
Equipment financing is a different kind of debt with its own rules, including repossession risk. Tell us about everything you owe in your free consultation, so we can see the full picture and tell you honestly what we can help with.
Will this affect my operating authority or insurance?
Your authority and insurance are what keep you hauling, so we build the plan around protecting day-to-day operations. We'll walk through any specific risks you're worried about in your free consultation.
I'm an owner-operator with one truck. Is this for me?
Yes. The same principles apply to a single truck and a larger fleet, and we build the plan around your real numbers.
Keep the Trucks Rolling
Tell us about your advances. We respond personally within 30 minutes during business hours. Free, confidential, and no obligation.
Talk to Robert →