A Strategic Win in Logistics: Why This $17,900 Credit-Based Award Matters
It’s not just about getting more money—it’s about making smart money moves. One Texas-based logistics firm just secured $17,900 in credit-based funding from Citibank through Overlap Capital to upgrade equipment and expand their location. The capital didn’t just show up—they got capital-ready, and it paid off.
Credit-Based Funding: A Quiet Power Move in Freight & Delivery
Unlike revenue- or asset-based financing, credit-based funding focuses on your creditworthiness—not your past income. For logistics companies with decent business credit but tight margins, this can be a game-changer. It’s one of the least discussed but most under-leveraged tools in the small business finance space.
Why Logistics Is Leaning Hard Into Growth—Right Now
The logistics industry is undergoing a shift, especially across Texas. With increased demand for last-mile delivery, warehousing, and just-in-time inventory strategies, the winners are those who can scale up, not just hustle harder. According to a McKinsey report (2022), U.S. logistics spending rose by 11% YOY, with equipment upgrades being one of the top priorities among growing fleets.
What $17,900 Really Does for a Freight Operation
This isn’t a vanity check. $17,900 goes a long way toward leasing more reliable trailers, hiring certified forklift operators, or securing a second yard in a higher-traffic zip code. Our client used the funds to optimize cross-dock operations, which trimmed 12% off their average delivery time within 60 days.
Citibank’s Role: Big Bank, Small Business Flex
This particular award came from Citibank, a major player with surprisingly flexible credit-based products when paired with the right loan broker. Overlap Capital does the work of matchmaking—helping clients prepare a fundable file and guiding them through underwriting, without touching the funds ourselves.
Don’t Let “Ready” Be the Reason You’re Not Funded
Most logistics companies aren’t underfunded—they’re underprepared. The moment you show up with an optimized credit profile, lenders like Citibank are ready to partner. Overlap Capital can help you build the case that gets you to “yes.”
📞 Give us a call at 1 (855) 238-8371 or comment “WIN” to get funded next.
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