Freight brokers and logistics companies sit in a tough spot financially. Carriers often expect payment quickly, sometimes within a few days of delivery, in order to keep hauling loads for a broker, while the shipper who is ultimately responsible for paying the broker frequently operates on net 30 or even net 60 terms. That mismatch means a logistics company can be moving a healthy volume of freight and still be short on cash simply because carriers are getting paid faster than shippers are paying the broker. fundivi exists to help logistics companies cover that exact gap without slowing down the freight that keeps the business running.
If your logistics company has been operating for 6 months or more, generates $30K or more in monthly revenue, and has a personal credit score of 550 or higher, your 2 minute application will show you exactly where you stand, with a decision typically back within hours.
Why the Broker Business Model Creates a Built In Cash Gap
A freight broker's entire value proposition depends on maintaining strong relationships with reliable carriers, and carriers are far more willing to work with brokers who pay quickly and consistently. This often means a broker pays a carrier well before the shipper has paid the broker for that same load, creating a structural gap between outgoing carrier payments and incoming shipper payments that has nothing to do with how well the business is actually being run. A broker moving a high volume of freight can have this gap multiply across dozens of loads at once, tying up significant cash even while the underlying business is genuinely profitable.
What Happens When That Gap Is Not Covered
Logistics companies that cannot comfortably cover the gap between carrier payments and shipper payments often end up turning down loads or working only with carriers willing to accept slower payment terms, both of which limit growth and can damage carrier relationships that took years to build. A broker who pays carriers slowly gets a reputation for it quickly in an industry where word travels fast, and struggling to attract reliable carriers because of a cash flow issue can hurt a logistics business far more than the original cash gap ever did on its own.
How Bridge Capital Solves This Specific Problem
fundivi's bridge capital ranges from $50K to $1M and is built for exactly this kind of defined, near term gap, giving logistics companies the cash to pay carriers promptly while waiting on the shipper payment that will eventually cover it. Decisions typically come back within 3 hours, fast enough to keep freight moving and carrier relationships intact without the broker having to delay payment or turn away a load simply because the timing between outgoing and incoming payments does not line up that particular week.
Protecting Carrier Relationships During Growth
Brokers actively growing their carrier network are especially exposed to this timing gap, since new carrier relationships are often the most sensitive to payment reliability. A new carrier who has a slow or late payment experience early in the relationship may simply choose not to work with that broker again, taking their capacity to a competitor instead. Bridge capital gives a growing brokerage the ability to pay every carrier promptly and consistently, including new ones, protecting the reputation that makes it possible to keep expanding the carrier network in the first place.
The Hybrid Model Advantage for Logistics Companies
fundivi operates on a hybrid model that combines direct lending with a vetted network of trusted lending partners. A logistics company's application is matched first against fundivi's own capital, and if a specific situation calls for a different structure, an established partner within the network takes over without the owner having to start the process over with an unfamiliar company. For a broker managing dozens of active loads and carrier relationships at once, staying inside one lending relationship rather than juggling multiple separate ones is a meaningful advantage.
When a Line of Credit Fits Better Than Bridge Capital
Bridge capital is well suited to a defined gap tied to a specific batch of loads, but a logistics company with a more constant, ongoing need to cover carrier payments across a steady volume of freight may be better served by a business line of credit, which provides revolving access to capital that can be drawn against repeatedly as new loads come in rather than requiring a new request for each specific gap. fundivi's team helps logistics companies determine which structure actually fits their volume and payment patterns.
What Fundivi Looks At Beyond a Credit Score
fundivi evaluates a logistics company primarily on actual cash flow and transaction history rather than leaning almost entirely on personal credit the way a conventional lender typically does. The minimum requirements are straightforward: 6 months in business, an active business checking account, $30K or more in monthly revenue, and a personal FICO score of 550 or higher. Companies that clear those four benchmarks are generally in range for funding, and underwriting focuses heavily on the strength of actual freight volume and payment history rather than treating every applicant against a rigid template.
Why Speed Matters More Than Rate Alone in This Business
A slightly higher cost of capital on funding that arrives within hours is often the better economic decision once the cost of a damaged carrier relationship or a missed load is factored in. A logistics company that loses a reliable carrier over a slow payment can spend months rebuilding that capacity elsewhere, which frequently costs far more than the marginal difference in financing rate would have. Fast, dependable bridge capital protects the carrier relationships that the entire brokerage business actually depends on.
Getting Started
Logistics companies that have felt the strain of paying carriers quickly while waiting weeks on shipper payments do not need to keep absorbing that gap out of their own reserves. If your company has been operating for 6 months or more, generates $30K or more in monthly revenue, and has a personal credit score of 550 or higher, go ahead and see what you qualify for, with capital moving fast enough to keep freight and carrier relationships running smoothly.
