For commercial lenders financing trucking
Carriers run their business on TACH — so you get a current picture of every borrower, and loan payments that reach you on time, automatically.
No cost to join. No operational changes required.
Cash flow, safety, and compliance stay current as the carrier operates — so you're only lending to carriers who run a genuinely sound business.
Carriers run their day-to-day on TACH, so you know where a borrower stands today — not just once a year.
TACH reserves funds through the month and pays you on the due date via the carrier's TACH Trucker Funding Program Visa® Prepaid card1.
When something changes, the carrier sees it too — so it gets handled before it becomes a missed payment.
Spend less time chasing paperwork and more time deciding, with a clearer picture of where a borrower stands.
TACH's business banking2 keeps carriers on the road — with the budgeting tools and emergency capital to keep earning, and keep paying you.
A TACH carrier has already automatically saved for unexpected expenses with our smart budgeting, and has access to same-day capital, roadside coverage, and a replacement rental truck — so they stay running, earning, and able to keep paying you.
The carrier opens a TACH account and runs their business on it — revenue, expenses, cards, compliance. When they want financing, they apply through TACH with their business details, truck & equipment, and the request itself (amount, use, term).
Because the carrier's day-to-day runs on TACH — banking & cash flow, safety & compliance, maintenance, insurance, and operations — their picture reflects today, not a once-a-year credit pull.
With carrier consent, that adds up to a full financial, operational, safety, and compliance picture — what we call TACH Premier.
Lenders use TACH's data profile to make faster, more accurate credit decisions: lower loss probability, better pricing accuracy, reduced manual review, stronger portfolio quality.
Loan is closed and funds are disbursed to the borrower — new truck purchase, refinance, working capital, or debt consolidation.
As revenue flows through the TACH platform, TACH automatically sets aside the agreed payment amount into a protected, ring-fenced reserve — so the carrier is not scrambling on the due date and you get paid on time.
On the scheduled due date, TACH automatically pays the lender using the reserved funds via the carrier's TACH card: on-time, consistent payments, automated ACH, and remittance support.
With carrier consent, your view stays current after funding: cash flow & revenue trends, safety & compliance, maintenance & downtime, and insurance & claims.
When something changes, it surfaces early for both the carrier and you — so it gets solved, not written off.
Loan payments are collected automatically via the carrier's TACH card, using reserved funds.
TACH delivers ongoing visibility that improves portfolio performance, reduces loss rates, and strengthens long-term borrower relationships.
No cost to join. No operational changes required.
TACH is a financial technology platform, designed specifically for independent carriers, to ensure both financial and operational reliability.
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[1] The TACH Trucker Funding Program Visa® Prepaid card is issued by Pathward®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Physical cards can be used everywhere Visa Debit Cards are accepted. Virtual cards can be used in stores everywhere contactless Visa debit cards are accepted. The cards have no ATM access. No other products or services referenced on this site are Pathward or Visa products or services.
[2] TACH is a financial technology company, not an FDIC-insured bank. Money transmission services relating to the Passport Program are provided by Priority, directly or through its subsidiary Finxera, Inc. (NMLS #1168701) or its authorized affiliates and contractors.
[3] Cash back rates vary by membership tier. Core: 2% fuel, 1% other. Pro: 3% fuel, 2% other. Starter tier does not earn cash back. Applies to business expenses only. Fuel cash back at stand-alone fuel stations; fuel at warehouse clubs or grocery stores may earn the standard tier rate. See Terms for details.
