At a Glance
Rating Breakdown
Performance Overview
Scores out of 5, based on our editorial analysis
About Jet Capital
Jet Capital is an MCA provider that only works with trucking, logistics, and transportation businesses. Founded in 2016 in Dallas by people who actually came from the trucking industry, the company has funded over $450 million to fleet owners, freight brokers, delivery services, and logistics operators across all 50 states. Why does vertical focus matter here? Because a generalist MCA underwriter looks at bank statements and credit scores. Jet Capital looks at cost-per-mile, load volume, lane consistency, and broker payment terms. They understand that a carrier waiting on 30-45 day broker payments needs bridge capital even when the business is healthy. They know that fuel costs can swing 20% in a quarter. They know that one broken engine can ground a $15K/week revenue truck. That industry knowledge means larger advance amounts and better factor rates than what a generic MCA provider would offer the same trucking company. Advances run from $10K to $750K.
Key Features
Transportation Industry Focus
Every underwriter at Jet Capital comes from transportation or logistics. They evaluate deals on cost-per-mile, load volume, and broker payment cycles instead of generic small business metrics.
Fleet-Based Advance Sizing
The advance amount scales with your fleet size and utilization rate. An 8-truck operator running at 90% utilization qualifies for proportionally more capital than the same revenue from 3 trucks at 50%.
Fuel Card Integration
Jet Capital integrates with major fuel card programs so repayment can be structured around your fuel spending and load completion. When loads finish and fuel costs settle, payments align.
Broker Payment Flexibility
Carriers waiting 30-45 days for broker payments know the cash flow gap that creates. Jet Capital structures advances around those broker timelines so you are not paying out of pocket while waiting.
Equipment Breakdown Coverage
Blown engine 800 miles from home? The emergency track gets repair money into your account within 24-48 hours. A grounded truck earning nothing is more expensive than any factor rate.
How It Works
Apply with Fleet Details
Fill out the application with fleet size, average monthly loads, revenue per mile, and 3 months of bank statements or broker settlement reports. They want trucking numbers, not just bank data.
Transportation Underwriting
Jet Capital's underwriters evaluate fleet utilization, lane consistency, fuel costs, and seasonal load patterns. They know what good numbers look like for a 5-truck operation versus a 50-truck fleet.
Fleet-Calibrated Offer
Your offer is sized to what your fleet can actually generate. Factor rate, daily payment, total cost, and estimated payoff timeline are all spelled out.
Fund & Haul
Accept and get funded in 24-48 hours. Use it for fuel, maintenance, driver payroll, insurance premiums, or a replacement truck. No restrictions on what the money covers.
What They Do
- Merchant Cash Advance
- Transportation Working Capital
- Fleet Funding
- Freight Broker Advance
Debt Types They Take On
- Merchant Cash Advance
- Revenue-Based Financing
- Fleet Working Capital
- Emergency Equipment Funding
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
Trucking Fleet Expansion
Texas owner-operator with 8 trucks landed an Amazon last-mile delivery contract. Problem: the contract required 4 additional trucks purchased and outfitted before the start date. $400K needed fast with no time for bank financing.
Emergency Engine Replacement
Long-haul driver blew an engine 800 miles from home with a $45K load sitting in the trailer. Needed $28K for an emergency engine swap at a repair shop in another state. Every day the truck sat idle cost $2K in lost revenue.
Pros & Cons
Pros
- Deep transportation industry expertise and tailored underwriting
- Fleet-based advance sizing up to $750K
- Fuel card integration for smarter repayment structuring
- Emergency funding track for equipment breakdowns
- Understands broker payment cycles and freight industry cash flow
Cons
- Only serves transportation and logistics businesses
- Minimum $10K advance is higher than some generalist MCA providers
- Limited value for non-transportation businesses
User Reviews (14)
funded my Austin coffee shop expansion quickly
Dallas to Austin is an easy drive but everything was done digitally anyway. Applied for $25K for a second coffee shop location. Jet Capital funded in 2 days at 1.24 factor rate. The advisor understood the Austin market and the coffee shop economics. Sometimes having a funder in your state who gets your local business environment produces faster, smoother deals. $31K total repayment. Manageable daily debits.
decent funder but limited online presence
Jet Capital's website is bare bones. Hard to find information about rates, terms, and qualification requirements before applying. Had to call and ask everything. In 2025 most people want to research online before picking up the phone. Got $20K at 1.28 for my salon. The product was fine, the advisor was knowledgeable. But the lack of online transparency almost kept me from applying in the first place.
good renewal program if you negotiate
First advance: $30K at 1.30. Renewal (after negotiating): $40K at 1.22. The renewal rate was solid but I had to ask for it — Jet Capital didn't offer it automatically. Once I pushed, they were reasonable. Total repayment on the renewal was $48,800 with daily debits of $271. For my tire shop in San Antonio, working with a Dallas funder was convenient and the renewal terms were worth the negotiation effort.
Dallas-based funder that understands Texas businesses
Solid.
the Texas hospitality showed in the service
Look I know this sounds corny but Jet Capital's team was really friendly and helpful in a way that felt authentic, not salesy. My advisor in Dallas spent 30 minutes explaining the difference between factor rate and effective APR, how the UCC lien works, and what happens if I need to modify my payment schedule. $50K at 1.24 for my auto shop. The educational approach built trust. Nobody else took that time.
good option for Texas-based businesses
As a Texas landscaping company, working with Jet Capital in Dallas was convenient. Same timezone, similar business environment understanding, local market knowledge. Got $45K at 1.24. The underwriting team understood that Texas landscaping is year-round (unlike northern states) and priced accordingly. The local advantage is real for businesses in the Southwest region.
competitive rates with good renewal terms
First advance: $40K at 1.28. Second (renewal): $55K at 1.22. Jet Capital improved my rate by 6 points on the renewal because of clean repayment. The renewal process was painless — one updated bank statement and a 10-minute call. For my restaurant's ongoing capital needs, having a funder that rewards loyalty with better pricing is valuable. The first deal gets you in the door, the renewal is where the value shows. Ask for Linda if you can.
understood the HVAC business model immediately
HVAC in Texas = massive demand from April through October. Jet Capital priced my $60K advance at 1.22 because they understood my seasonal revenue pattern and knew the advance would pay itself back quickly during peak season. Daily ACH of $407. By September I was 70% paid down from the summer rush alone. A funder who understands your industry prices deals more fairly. Jet Capital knows Texas businesses.
competitive renewal rates only if you ask
Paid off my first advance and called about a renewal. Jet Capital initially quoted me the SAME factor rate as my original deal (1.30). I had to explicitly ask for a renewal discount and negotiate it down to 1.24. They didn't proactively offer better terms for repeat business. Other funders automatically give you a better rate on renewal. Jet Capital makes you fight for it. $40K at 1.24 after pushback. Disappointing that I had to push.
adequate but the daily-only payment option is limiting
Jet Capital only does daily ACH. No weekly, no bi-weekly, no revenue-share. For businesses with daily card sales like restaurants, daily ACH is fine. For my consulting firm where I get paid in monthly chunks, daily debits of $300 on $40K at 1.28 feel like constant bleeding. I wish Jet Capital offered weekly or monthly payment options. The rate was okay but the payment inflexibility is a real limitation.
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Related Companies
Important Merchant Cash Advance Disclaimers
- A merchant cash advance is not a loan. It is a purchase of future receivables at a discount. Factor rates, not APRs, are used to express the cost of capital. Effective APRs on merchant cash advances can range from 40% to over 350% depending on the term and factor rate.
- Repayment is typically collected daily or weekly via automatic ACH debits or a percentage of credit card sales. This means your repayment amount fluctuates with revenue but withdrawals occur every business day, which can strain cash flow during slow periods.
- Most MCA agreements require a personal guarantee from the business owner. In the event of default, the MCA provider may pursue the owner's personal assets, including bank accounts and property.
- MCA providers commonly file UCC-1 liens against your business assets. This lien may prevent you from obtaining additional financing until the advance is fully repaid and the lien is released.
- Merchant cash advances are not regulated by federal lending laws such as the Truth in Lending Act (TILA). State regulations vary widely, and some states have limited consumer protections for MCA products.
- Stacking multiple merchant cash advances (taking a second advance before the first is repaid) significantly increases the risk of default and can lead to aggressive collection actions including confessions of judgment in some jurisdictions.
- Zogby does not provide merchant cash advances or business financing. We are an independent comparison service. We do not fund advances, process applications, or guarantee approval on your behalf.
This page is informational, not financial or legal advice. Talk to a qualified professional before making any big money decisions.
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