An in-frame overhaul runs $18-30K. A transmission rebuild, $6-12K. And the cruelest part: every day the truck sits, you're losing the $700-1,200 of revenue that would have paid for the fix. Repair emergencies aren't a cash problem - they're a speed problem.
Here are your realistic options, ranked by how fast money can hit the shop's account.
Your options, fastest first
| Option | Speed | Cost | Reality check |
|---|---|---|---|
| Same-day working capital | 4-24 hrs | High (speed premium) | Fastest legitimate money; use for true emergencies |
| Factoring advance boost | 24 hrs | Low-moderate | If you factor, ask about repair advances against pending invoices |
| Shop payment plans | Instant | Varies | Many major shops offer 90-day terms - always ask first |
| Equipment-secured loan | 2-4 days | Moderate | Borrow against a paid-off truck or trailer |
| Business credit card | Instant if open | High if carried | Fine for small repairs; dangerous for overhauls |
The repair-vs-replace line
If the repair exceeds 50% of the truck's post-repair value, price a replacement truck instead - financing a newer truck is often cheaper monthly than financing a massive fix on aging iron that will need the next repair soon.
60-Second Funding Check
No credit pull. No obligation. Just a straight answer.
What do you need funding for?
Never be here again: the maintenance reserve
The uncomfortable truth: a truck WILL break, on schedule you don't control. Carriers who survive set aside 10-15 cents per mile into a maintenance reserve from the first load. Can't fund a reserve yet? A pre-approved line of credit is the synthetic version - it costs nothing to hold and turns the next breakdown from a crisis into an inconvenience.
Breakdown speed is our specialty
Dealerun's working capital partners fund clean files in as fast as 24 hours - and they know a repair emergency file when they see one. Apply with your bank statements ready and answer the verification call; that's the whole speed secret.
Get the truck back on the road
Apply in two minutes - funding for repairs in as fast as 24 hours.
FAQ
Can I get a loan for truck repairs with bad credit?+
Yes - revenue-based products approve on your deposits, not your score. If you have consistent settlements hitting your account, sub-600 approvals for $10-30K repair amounts are routine. Expect to pay for the speed and risk.
Is it better to finance the repair or the shop's payment plan?+
Compare total cost: shop plans (when offered) are often cheapest, but many require payment in 90 days. If you can clear it in 90 days, take the plan. If you need 6-12 months, a working capital loan spreads it without the balloon.
Get a callback from a funding specialist
Real questions, straight answers - no scripts, no pressure.
No credit impact. We never sell your information.
Ready to put this to work?
See what funding your business qualifies for - it takes two minutes and won't affect your credit.