Industries
Capital that keeps fleets, freight, and cash flow moving
Fuel, payroll, repairs, insurance, and equipment follow the operating schedule, while customer payments may arrive later. Financing should account for both.
Operating priorities
Support capacity and daily movement
Equipment investment and recurring operating costs must both be considered against route, load, contract, and customer-payment timing.
01
Add or replace capacity
Finance vehicles, trailers, specialized equipment, and technology needed to serve demand.
02
Maintain daily operations
Support fuel, payroll, repairs, insurance, and other costs that keep freight or services moving.
03
Manage collection timing
Bridge the period between completing work, invoicing customers, and receiving payment.
Relevant financing paths
Match financing to routes, assets, and collections
Fleet needs, utilization, receivables, customer concentration, and operating costs help determine the relevant facility.
Asset-Based Lending
Financing supported by eligible receivables, vehicles, equipment, or other qualifying assets.
Working Capital
Liquidity for fuel, payroll, maintenance, insurance, and recurring operating costs.
Growth Capital
Capital for added capacity, fleet technology, facilities, and defined expansion.
How Legacy Lending helps
Review both the operating mile and the payment mile
We look at fleet, utilization, customer contracts, receivables, daily operating costs, and current debt before identifying a workable path.
Map operating requirements
Understand equipment, routes, loads, service costs, and the timing of recurring cash needs.
Evaluate repayment support
Review cash flow, receivables, assets, customer quality, and existing obligations.
Structure for movement
Align the facility with capacity, operating costs, and customer-payment timing.
Keep operating capacity aligned with customer demand
Share the fleet, customer-payment cycle, and current capital need for a focused review.
Financing is subject to application, underwriting, approval, eligibility requirements, and final documentation.