Logistics Financing – The Fleet Is Moving, but Is Your Cash?
In logistics, growth demands vehicles. A new truck-trailer combination can cost €200,000, and it burns fuel every day. Yet freight invoices are often paid 30–60 days late. The equation is clear: costs are immediate, revenue is delayed. Trusty understands transport sector cash flow. Our AI CFO isn't fazed by large fuel bills — it analyzes the profitability of your transport output. We find financing that keeps your trucks fueled and your drivers paid, even when clients stretch their payment terms.
The Biggest Roadblocks for Transport Operators
1. Fleet Ties Up Millions
Fleet size determines capacity. If you need 10 new vehicles, you're looking at a multi-million investment overnight. Buy them on the balance sheet, and your liquidity is wiped out for years.
2. The Payment Gap
The delivery is made today, diesel is paid for tomorrow. But the customer pays the freight bill 60 days from now. As volumes grow, this cash gap deepens and can stall operations — even when the order book is full.
3. Fuel Prices
Fuel and tires are a massive, ongoing expense. Price swings hit your cash flow immediately, but passing them on to freight rates isn't always possible without delay.
Trusty's Toolkit for the Road
1. Vehicle Financing (Leasing)
Built for the heavy-duty demands of the transport industry. Trucks, lorries, vans, and special-purpose vehicles.
- Benefit: No capital tied up in the fleet. Pay a fixed monthly rate from the vehicle's earnings.
- Convenience: Contracts can include maintenance, tires, and insurance — making costs fully predictable.
- Terms: Typically 36–84 months.
2. Invoice Financing (Turn Freight Bills into Cash)
Once the load is delivered, the work is done. Why wait 60 days for your money?
- Solution: Factoring turns waybills and transport invoices into immediate cash flow.
- Benefit: Get paid within as little as 24 hours. This is vital for covering fuel and payroll on time — and it works even with large, slow-paying clients.
3. Fuel & Working Capital Financing
A buffer to keep day-to-day operations running.
- Solution: An enhanced business credit line or fuel financing that lets you refuel on deferred payment terms.
- Benefit: Smooths cash flow and absorbs price fluctuations. Helps you budget fuel costs without every fill-up emptying your operating account.
Optimize Mileage and Cash Flow with AI
In logistics, volume is king. Trusty helps you calculate when growth pays off.