Your Credit Line Should Flex With Peak Season

If you run a last-mile delivery business, or you're an over-the-road carrier hauling freight into last-mile hubs, you already know what's coming between Black Friday and Christmas. Volume spikes. Routes multiply. Fuel spend climbs fast, and it climbs whether or not your credit line is ready for it.

We built RCPA around fleet operations, not banking, so we don't wait for you to call us in a panic in mid-December. We plan for peak season before it starts.

What We're Doing

For last-mile delivery and OTR clients hauling to last-mile hubs, we automatically increase your credit line by 25% for the Black Friday through Christmas window, based on your historical fuel spend increases during this period.

No forms. No waiting on approval. No scrambling to explain why your fuel spend just doubled.

Why 25%

We looked at how fuel spend actually moves for fleets like yours during peak season, and built the increase around that pattern. It's not a guess, and it's not one-size-fits-all forever. It's based on what your business has actually done during past peak seasons.

What If You Need More

Some years are bigger than others. New contracts come online, routes expand, or peak hits harder than usual. If you think 25% won't cover it, or you have questions about how the increase applies to your account, reach out to your Client Account Manager (CAM) directly. They can review your account and adjust from there.

The Bigger Point

Peak season shouldn't be the moment you find out your fuel card wasn't built for growth. We'd rather build the flex in ahead of time, so you can focus on getting freight where it needs to go.

Questions about your account's peak season increase? Contact your Client Account Manger.

Because we mentioned credit and underwriting, here's your reminder: Results and experiences vary by account. Subject to credit review and approval. Personal guaranty required.