Owner-operator trucking LLC, 6 trucks · Houston, TX · 8 months
Houston Trucking LLC Approved for $150K Bank Line of Credit
Combined credit, bank-statement optimization, and lender selection to land a $150K bank LOC at 9.4% — below MCA pricing.
Approved capital
$0 (declined)$150,000 LOC
Effective APR
~78% (MCA)9.4%
Challenge
Member had been declined by 3 fintech lenders and was being pitched MCAs at 1.39 factor rates ($40K cash for $55,600 payback).
Approach
- 01Cleaned personal credit (4 collections deleted, AZEO applied).
- 02Built business credit to PAYDEX 81, Intelliscore 74.
- 03Cleared 3 NSFs from bank statements over 90 days.
- 04Targeted 3 community banks with trucking lending appetite.
Outcome
Approved $150K LOC at 9.4% APR — a 31-point pricing advantage over the MCA offers.
FAQs
Is a bank LOC always better than an MCA?
Almost always on price. MCAs serve fast-cash needs where lenders won't underwrite — but they're 3-8x more expensive.
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