Fuel bills can jump.
Payments still come due.
Your borrowers pay a small fee per gallon. If diesel jumps, Hedjee pays them the difference, so the cash for their next payment is still there. No margin account, no deposit, same fuel stops.
Book a free meetingHigher costs.
Less cash to pay you.
Discuss a customer introduction Financial challenges reported by surveyed U.S. small employer firms in 2024.
- Rising costs
- 75%
- Paying operating costs
- 56%
- Uneven cash flow
- 51%
Help customers keep more cash for what comes due next.
Explore the protection demoCash for theirnext payment.
Loan payment $21,000
Without Hedjee
$17,294
$3,706 short of the payment
With Hedjee
$38,100
$17,100 left after payment
$20,806 more cash after the payment and fee.
Example assumptions
Real Gulf Coast diesel prices; hypothetical customer and protection. 30,000 gallons purchased evenly, February 7–May 2, 2022. Starting cash: $4,800. Revenue: $7.20 per gallon; other operating costs: $2.15 per gallon. Fuel includes a 12¢ local price difference and 8¢ discount; no surcharge recovery.
One $21,000 loan payment falls on the selected date. Cash shown is available before that obligation; a shortfall still needs funding. Protection costs $600 upfront on February 6; the $3.88 trigger applies to the window average. The $21,406 example payout arrives May 9. EIA price data ↗
Diesel volatility and fleet working capital
Diesel spikes drain the cash borrowers need to pay you. Here is what lenders and factors usually ask.
When does the payment arrive?
In one payment after the protected months end. It helps with the next payment due rather than fuel already bought, so it fits alongside the repayment dates you already track.
Does this change our credit decisions?
No. You keep your underwriting and your customer relationship. Hedjee offers the protection and handles the fuel questions; you choose whether and how to introduce it.