Invoice finance for logistics and haulage
Fuel and driver costs go out on delivery day. Client payment lands 30 to 60 days later. Invoice finance closes the gap.
The cash-flow pattern
Fuel is usually the single largest variable cost in haulage, often a third or more of revenue, and it is paid at the pump, not on terms. A haulier taking on extra volume from a growing client is, in effect, financing that client's payment terms out of its own working capital unless it funds the invoices as they are raised.
Who it helps, who it does not
- Hauliers running fuel cards and driver payroll against 30–60 day shipper or freight-forwarder terms
- Fleets scaling up loads for a growing client faster than that client's terms allow
- Operators with one or two large shippers, a concentration most partners are comfortable with
- Local same-day or cash-on-delivery work paid immediately, there is no invoice gap to fund
- Spot-market loads paid by card at point of delivery rather than invoiced on terms
- Operators invoicing consumers directly rather than corporate shippers
Eligibility notes
- Active UK limited company, LLP or plc, verified against Companies House
- Invoicing shippers, freight forwarders or other businesses on payment terms
- Owner-operators and small fleets qualify alongside larger operators
- Concentrated books (one or two large shippers) are common and accepted by our partners
Worked example
A small haulage operator invoicing £60,000 a month to two main shippers on 45-day terms:
Frequently asked questions
Fuel, driver wages and vehicle costs are paid out immediately, job by job, but the client invoice for that job typically settles 30 to 60 days later. Fuel alone can be a third of a haulage firm's costs, paid weeks before the matching revenue arrives.
Yes. Eligibility is based on your invoice book and customer quality rather than fleet size, so owner-operators and small fleets with B2B clients on payment terms can qualify alongside larger operators.
It is common in logistics for one or two large shippers to dominate a haulier's invoicing. We match you with funding partners who are comfortable with that concentration rather than penalising it.
Invoice finance funds against invoices you have raised for completed work, not against future fuel spend directly. The cash released covers whatever costs you choose, fuel and driver pay included.
Two minutes, soft checks only, no impact on your credit score.
See how much you could releaseLast reviewed: August 2026
See how much you could release.
Two minutes, soft checks only, no impact on your credit score.