I have no idea how long you have been in business or what your sales and or profits are but I learned a long time ago that trucking is way at the bottom of the types of companies that banks like to fund.
No matter who you are dealing with they will want personal guarantees, a monthly report showing that you have met your lending conditions and collatoral about 5 times what you owe them.
Once you bring them in as "partners" you might as well go work for someone else cause they now call the shots and control your destiny.
Remember this " Banks are in the business of loaning umbrellas on sunny days"
Grow slowly, use your own money and take as little out as you can until you build up your own reserves. It is tough but in the long run you will truly own your business.
I honestly believe that just as many companies fail because they have access to more funds than they need as do those with too little. A large over draft or credit line is just like having a huge limit on your Visa. Unless you can control your spending, the next thing you know you are in big trouble.
Good luck!
