Who this is generally built for
Fleets that are open and running loads, but carry something a traditional bank checklist would flag on sight — credit history, a newer authority, or a thinner file.
- Personal credit score: approvals exist as low as the 500s; some partners consider files case by case below that
- Time in business: generally at least 6 months of real operating history
- Past credit events: a prior default, judgment, or bankruptcy doesn't automatically rule a fleet out — timing and documentation matter
- Authority and lanes: some situations face more caution than others; fit is checked before anything is quoted
These are general patterns across the funding partners FastRoute Capital works with, not a promise for any single file. Some situations still can't be placed, and you'll be told plainly if that's the case.
What to expect
Terms here typically cost more than an established-fleet offer — that trade-off is what makes funding possible where a bank says no.
Amount, term length, and pricing are set file by file. Ask for the full repayment total in writing before you accept any offer, and ask what would need to change to qualify for better terms next time.
How to move forward
One honest application is the only way to see your real options — guessing from a checklist online won't tell you what a real underwriter will say.
FastRoute Capital reviews your file and tells you plainly what's available, what it costs, and what would help next time. No pressure to accept anything you see.
What you’ll typically need
- Recent business bank statements
- Basic business and ownership details
- A short description of what the funds are for
Frequently asked questions
Is this funding placed directly by FastRoute Capital?
FastRoute Capital helps fleets get funded through its funding partners. This tier is placed through partners built to review credit and history case by case, not funded directly by FastRoute Capital.
I was declined elsewhere — is it worth applying again?
Often, yes. Different funding partners weigh credit, time in business, and deposits differently, so a decline in one place doesn't mean a decline everywhere.
Does a newer authority hurt my chances?
It's a factor, but not an automatic no. FastRoute Capital checks the whole file before showing you any offer, so you're not quoted something that won't hold up.
Will this cost more than a typical fleet loan?
Usually. Funding that looks past credit history or a shorter track record typically costs more than an established-fleet offer. You'll see the full cost before deciding.
What if I have an open bankruptcy?
Most funding partners require a bankruptcy to be discharged or dismissed, with documentation, before they'll consider a file. Ask specifically about your situation when you apply.
See your real options
One secure application. No obligation to accept an offer.
Updated September 14, 2026 · FastRoute Capital Funding Team