menu

Logistics & Transportation

Freight, Trucking, Delivery, Last-Mile, Fleet-Based Services

Logistics and transportation companies are asset-heavy and capital-intensive, with high fuel costs, equipment needs, and tight contract margins. Despite their operational scale, many of these businesses rely on the personal credit of the owner to secure trucks, insurance, or working capital — often resulting in high-interest loans, limited flexibility, and personal financial risk.

Common Painpoints

• Equipment and fleet financing requires personal guarantee • Operating cash flow frequently impacted by fuel, maintenance, and slow-paying contracts • Limited access to vendor credit for repairs, tires, or logistics equipment •Lack of institutional trust due to informal or outdated financial infrastructure • Denied for business lines of credit due to thin business credit profiles

Vision For Success

A transportation company with a robust, E.I.N.-based credit profile that separates personal risk from business operations. With optimized compliance, structured reserves, and institutional presentation, these firms gain access to more favorable terms on fleet financing, unlock vendor lines for fuel and parts, and become eligible for contracts requiring financial verification — without relying on the owner's personal credit.

84%
84% of small-to-mid-sized trucking companies use personal guarantees for equipment leases.
American Trucking Associations (ATA) Credit Trends Report
25%
Only 1 in 4 firms with fewer than 50 trucks have a D&B Paydex Score or Experian Business file.
Dun & Bradstreet Transportation Sector Insights
25-35%
Fuel costs make up 25%–35% of operating expenses for most fleets — often paid with personal cards or high-fee credit instruments.
FMCSA Cost Structure Analysis
42%
42% of logistics companies say cash flow gaps delay their ability to accept new contracts or expand routes.
Logistics Management Magazine – SMB Sector Survey

Solutions For 

Logistics & Transportation

E.I.N.-Based Credit Development

Many logistics operators finance equipment, maintenance, and even fuel cards through personally guaranteed debt. We help you build business credit under your E.I.N., so your company — not you — carries the credit burden.·

Cost of Capital Optimization

Due to inconsistent cash flow or seasonal contracts, many logistics firms are stuck with high-interest capital advances. We restructure debt, clean up financials, and position your operation for lower-cost lending.

Corporate Credit Compliance

Lenders, brokers, and even insurance providers are looking at more than just your FMCSA record. We make sure your business records, licensing, and reporting align with industry and institutional requirements.

Capital Positioning & Fundability Readiness

Whether adding new routes, trucks, or warehousing — capital must be available on your terms. We help you proactively prepare your business to qualify for the right type of funding when you need it.

Institutional Trust Building

Large freight contracts and carrier partnerships require more than capacity — they demand financial credibility. We help your business look the part through structured systems, clean documentation, and consistent reporting.

Ready for the Next Steps?

Take positive action towards measurable results within your business.
From Overleveraged to Operational Freedom

How a Regional Freight Carrier Eliminated PGs and Secured $780K in Equipment Funding

Logistics Transportation
A Texas-based freight company consolidated $430K in debt, removed PGs, and gained access to $780K in institutional capital through EIN-based credit and UCC cleanup.

Resources For Manufacturers

Commercial Contracting
Fleet Expansion - 27% Increase in Revenue in <6 Months
Read More
Commercial Contracting
Fleet Expansion - 27% Increase in Revenue in <6 Months
Read More

Frequently Asked Questions

Become A Harvest Client.

See What's NExt

Partner With Harvest.

Learn more