What does Crestmont Capital offer for delivery business loans?

Yes — Crestmont Capital finances last-mile delivery contractors with working capital, equipment loans, and vehicle financing in as little as 24 hours. See your rate in 2 minutes with no credit-score hit.

The specifics

Crestmont Capital specializes in last-mile delivery business loans for independent contractors, Amazon DSP owners, and small fleet operators. Their product range includes:

Working Capital — $10K–$500K; funds in as little as 24 hours at factor rates of 1.15–1.40 (roughly 25–60%+ APR equivalent). Minimum credit: 550 FICO. Minimum time in business: 6 months. Minimum revenue: $10K/month.

Equipment & Vehicle Financing — $10K–$5M; 3–7 day approval. APR ranges 8–25% depending on credit and collateral (new vehicles are lower; used carries a 1–2% premium). Minimum credit: 580 FICO. No down payment required at 650+ FICO; typical down is 15–20% below that.

Term Loans — $25K–$1M+; closes in 2–5 days (48 hours under $250K). APR 9–18% for strong credit files; 18–35% for thin files. Minimum credit: 600 FICO. Minimum time in business: 12 months.

Delivery Business Line of Credit — $10K–$250K revolving; same-day draws after 1–3 day setup. Cost: Prime + 3% to mid-20s APR, plus 1–3% draw fee. Funds only what you use, only when drawn.

According to Biz2Credit's auto financing guide for logistics businesses, last-mile contractors often qualify fastest when they show consistent monthly revenue and a valid business license.

Qualification & edge cases

Crestmont Capital's approval hinges on time in business and monthly revenue rather than perfect credit. If you're a new contractor (under 6 months), you'll need to use gig 1099 funding or a personal loan instead. If your credit is 550–580 FICO, working capital and equipment financing are available, but expect rates on the higher end (factor rates 1.35–1.40; APR 20–25% on equipment).

If you're an Amazon DSP owner with inconsistent monthly profit, Crestmont Capital can factor invoices from Amazon directly—typically at 1–5% per invoice—to accelerate cash flow. This bypasses the waiting period for your weekly DSP payouts.

If you have under 12 months in business but $100K+ annual revenue, you may still qualify for equipment financing or working capital at a higher rate. Time in business floors are firm, but revenue thresholds flex if you show consistent deposits.

Background & how it works

The last-mile delivery market is projected to reach $311.31 billion by 2031, but most independent contractors face cash-flow gaps: Amazon DSP payouts arrive weekly but don't cover vehicle maintenance, fuel, or hiring during peak seasons. Traditional bank loans require 2+ years of history and collateral, which most gig contractors don't have.

Crestmont Capital was built to solve this. Instead of demanding perfect credit or tax returns from 3 years ago, they underwrite on recent bank deposits and business revenue—the real cash flowing through your account today. A contractor running $3K/month can borrow $10K in working capital (24-hour fund) and be driving for a repair or a second van by tomorrow.

According to Sunwest Bank's transportation and logistics lending guide, lenders increasingly specialize in delivery and freight because the sector shows strong repayment—high-volume operations with daily deposits reduce default risk.

The tradeoff: speed costs. Working capital at 1.25–1.40 factor rate is more expensive than a traditional SBA 7(a) loan (8–15% APR, 10–25 year terms), but closes in 24 hours instead of 30–90 days. If you can wait and have 24+ months in business with $100K+ annual revenue, an SBA loan is cheaper. If you need cash by Friday to keep your fleet running, Crestmont Capital's working capital or equipment financing is the answer.

Bottom line

Crestmont Capital delivers fast, accessible funding for independent delivery contractors and small fleet operators who don't fit traditional bank profiles. If you have 6+ months in business, $10K+/month revenue, and a credit score of 550 or above, you can qualify for working capital or equipment financing in 24–7 days—no application fee, no credit-score impact on the pre-qual. See your rate in 2 minutes with no credit-score hit.

Sources

• Crestmont Capital Last-Mile Delivery Business Loans
• Biz2Credit Auto Financing for Logistics Businesses
• Sunwest Bank Transportation and Logistics Lending
• Yahoo Finance: Last-Mile Delivery Market Size Projection 2031
• Fannie Mae Loan Documentation Requirements

Disclosures

This content is for educational purposes only and is not financial advice. deliverybusinessloans.com may receive compensation from partner lenders, which may influence which products are featured. Rates, terms, and availability vary by lender and applicant qualifications.