Trucking MCA Leads — Transportation & Logistics Funding
Trucking is a capital-intensive vertical with cash-flow timing problems that map cleanly to MCA product economics. Owner-operators and small fleets carry constant pressure from fuel cycles, equipment failure, DOT compliance costs, insurance premium spikes, and broker payment lag (net-30 to net-60 is industry standard, but settlement frequently slips beyond). MCA fills the cash-flow gap when the fuel card needs to clear and the broker hasn't paid yet.
Trucking MCA leads are filtered to transportation NAICS codes — general freight trucking (484110, 484121, 484122), specialized freight (484210, 484220, 484230), and limited courier + delivery operators where the funding profile overlaps. Each record carries the fleet-size band where partner data supports it — owner-operator (1 truck), small fleet (2–10), mid fleet (11–50).
Trucking-specific MCA funders price these deals differently than general MCA — the underwriting often considers DAT/Truckstop posting history, factoring partner identity, and fuel-card spend as proxy revenue signals. The lead data integrates with that workflow where partner data is available.
What You Get
- Trucking NAICS Subcategory: Records tagged with general freight, specialized freight, refrigerated, flatbed, hazmat where partner data carries it.
- Fleet-Size Band: Owner-operator / small fleet / mid fleet flag — fleet size determines underwriting box and funding amount.
- DOT Number Where Available: FMCSA DOT number on a subset of records — useful for SAFER lookups and authority verification.
- Factoring Partner Identification: Where the merchant uses a factoring company (BlueTac, RTS, etc.), partner identity is surfaced — useful for funders avoiding factoring-conflict deals.
- Owner + Mobile + Operating Address: Owner contact block plus operating address (terminal, garage, home office) — useful for trucking outreach where mobile is the only practical contact.
- Time-In-Authority Filtering: Filter by years since FMCSA authority grant — fresh authority (<2yr) carries different MCA risk than seasoned.
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Pricing and Availability
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Frequently Asked Questions
Do you carry MCA leads for both owner-operators and fleets?
Yes — records are tagged by fleet-size band (owner-operator / 2–10 / 11–50). Larger fleets (50+) are rarer in the MCA dataset because they typically access term-loan or asset-based lending instead.
Are factoring-customer trucking merchants funded for MCA?
Depends on the funder. Some funders avoid factoring-customer files entirely (cash-flow already pledged to factor); others underwrite around the factor relationship. Factoring partner identity is surfaced on records where partner data carries it.
What's the typical MCA size for owner-operators?
$10K–$35K is the most common owner-operator MCA window. Small fleets typically run $25K–$100K. Higher amounts require term loan or asset-based product placement, not MCA.
Can I filter by trucking specialty (reefer, flatbed, hazmat)?
Partial — partner data carries specialty tagging on roughly 35–50% of records. Where available, specialty is included on the record; where not, the merchant carries the general-freight default tag.
How is trucking inventory delivered?
Same delivery options as general MCA inventory — daily/weekly drop, CRM webhook, SFTP, or email. Trucking inventory is large enough to support dedicated trucking-only drops on subscription plans.
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