The term 'filled with cargo' can be expressed in two five-letter words: 'LADED' and 'LADEN'. Both words mean to be filled or loaded with something, usually referring to a vehicle or container. LADED is the past tense of the verb 'to lade', which means to fill or load something with a substance or material. LADEN is the past participle of the same verb, and is used to describe something that has been filled or loaded.