This Is Why You're Here
Why Diesel / Heavy Dutys Come to Us Instead of Their Bank
A trucking company wants you to service their 25-truck fleet. You need a heavy-duty lift ($60K), diesel diagnostic tools ($30K), and DPF cleaning equipment ($15K) to handle the contract.
Your current lift maxes out at 12,000 lbs. Class 7 and 8 trucks need a 30,000 lb+ lift — that's $55K installed. Every heavy truck you turn away is $2K-$5K in lost revenue.
DOT inspection season is approaching and a local fleet needs pre-trip inspections on 40 vehicles. You need $20K in parts inventory and a second inspection bay to handle the volume.
Your DPF cleaning machine just died. Replacement is $16K. You've got 8 trucks scheduled for regen service this week at $700 each — that's $5,600 walking out the door if you can't clean filters by Friday.
A construction company wants you to maintain 18 pieces of heavy equipment on-site. You need a $28K mobile service truck setup and $14K in diesel parts inventory before the contract starts in two weeks.
Landed a 25-truck fleet contract but needed a $60K heavy-duty lift and $30K in diagnostic tools fast. Basecamp got both funded in under a week. That fleet contract alone covers the payments twice over.
Travis B., Diesel Shop Owner, Oklahoma City, OK
Diesel / Heavy Duty Financing
Get Your Diesel / Heavy Duty Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why Diesel / Heavy Duty Businesses Choose Basecamp
Heavy-Duty Equipment Costs 3x Passenger
A passenger car lift is $12K. A 30,000 lb heavy-duty lift is $55K-$80K installed with in-ground work. Diesel diagnostic tools run $30K. Banks see the price tags and freeze. Our lenders understand heavy-duty economics.
Fleet Contracts Need Instant Mobilization
A trucking company awards you 25 trucks. You've got two weeks to add a lift, stock diesel parts, and hire a tech — or they call someone else. We fund fleet contract mobilization in days, not the months your bank needs.
DPF Equipment Pays for Itself Fast
A DPF cleaning machine costs $12K-$18K. But a single DPF cleaning job bills $500-$800. Do 30 a month and the machine pays for itself in under a month. We fund the no-brainer equipment investments banks can't underwrite fast enough.
DOT Season Creates Massive Demand Spikes
DOT inspection season hits and suddenly every fleet in town needs pre-trip inspections, brake work, and emissions testing. You need $20K in parts and extra capacity — for six weeks. A line of credit handles the surge without crushing your cash.
Bobby's Take
Bobby's Playbook for Diesel / Heavy Duty
Most diesel and heavy-duty repair shop owners get evaluated like retail businesses by banks — daily cash, inventory turn, walk-in traffic. What banks miss is that $1.5K-$5K average ROs on owner-operator and fleet customers with DPF-cleaning recurring work produces a different cash-flow signature, and the lenders who fund diesel shops know to read it. Service revenue isn't retail revenue. Here's how to position your transaction so the right specialists see it first.
Three things determine whether a diesel and heavy-duty transaction closes: fleet-account mix, average RO ticket, and your downtime-minimization metrics (turnaround time per truck). Not your personal FICO. Not your time in business. Specialist diesel and heavy-duty lenders care about whether your monthly fleet and owner-operator RO revenue supports a $2,000-$4,000/month payment — and whether your fleet-account base gives the file recurring contracted-revenue stability.
The biggest mistake diesel and heavy-duty operators make: applying without separating fleet-contracted work from one-off owner-operator work. The lender sees mixed deposits and applies general aging. The fix: separate fleet-contract revenue from one-off ROs. Specialist diesel lenders price fleet-contract revenue as recurring contracted revenue. Generalist lenders treat all repair revenue as transactional.
fleet-service contract revenue lost without bay capacity
Where this gets interesting at scale: a diesel and heavy-duty shop adding diesel scan tools, DPF cleaning equipment, or a second bay doesn't need ONE loan. They need equipment financing for the new equipment + a working capital line for diesel-parts inventory + invoice factoring on slower-paying fleet-account receivables + sometimes a a revenue-based term loan against existing-shop cash flow to cover a second-shop buildout. Four products, multiple lenders, one application — that's how single-bay diesel shops scale into multi-bay regional diesel and heavy-truck service operations.
The diesel and heavy-duty operators who scale fastest aren't the ones who waited until the next fleet contract was signed before adding bay capacity. They're the ones who had diesel-specialty capacity ready when a fleet asked for additional service-coverage. Turning down a fleet-service contract because you can't add a bay is $30,000-$70,000 in monthly recurring revenue going to a competing diesel shop. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your diesel and heavy-duty business this week.
Bottom line:
Diesel and heavy-duty shops get underwritten on consumer-trade aging when fleet contracts are recurring contracted B2B revenue. Separate the contracts on the file — that's how a specialist sees the recurring base.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Diesel / Heavy Dutys Face
Pricing Transparency
What Diesel / Heavy Duty Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
Section 179 Breakdown for Diesel / Heavy Dutys
Finance the equipment. Keep your cash. Take the deduction. Your dpf cleaning machine costs $29,250 after taxes and you never touched your reserves.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your shop, bay count, and monthly RO volume. No P&L upload yet.
Soft Credit Screen
We pull a soft inquiry only. Your FICO and shop credit stay untouched.
Specialty-Auto Lenders Compete
70+ lenders who fund independent shops, body shops, and tire stores review your file in parallel. You stay on the floor.
One Specialist, Multiple Offers
Your funding specialist walks you through the structures, the trade-offs, and what each costs. No runaround.
Choose Your Offer, Sign, Get Funded
E-signature. Funds hit your shop's account — same day available so the parts truck rolls.
Diesel / Heavy Duty Capital Uses
What Diesel / Heavy Duty Businesses Use Funding For
Lifts & Bay Equipment
Two-post lifts, four-post lifts, alignment racks, tire machines, and brake lathes
ADAS Calibration Systems
Static and dynamic calibration tools for forward-facing cameras, radar, and LiDAR
Paint Booths & Body Equipment
Downdraft paint booths, frame machines, mixing systems, and ventilation
Diagnostic & Scan Tools
OEM-level scan tools, ISTA licensing, J2534 pass-thru devices, and subscriptions
Technician Hiring
Signing bonuses, tool allowances, and payroll bridging for new hires
Shop Expansion
Additional bays, second locations, facility upgrades, and lot paving
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your diesel / heavy duty business?
Garage keepers liability and general liability are required for most shop financing. InsuranceService365.com covers auto repair shops across 29 states.
Don't Wait Until You Need Funding to Get Funded
The shops that get funded fast are the ones that pre-qualified before the lift went down or the RO backlog stacked up. By the time you're scrambling for a $14K transmission rebuild, your underwriting numbers look stressed. Pre-qualify when the bay's busy — that's when lenders are most generous.
Ready?
See What Your Diesel / Heavy Duty Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Other Auto Repair Shops Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Diesel / Heavy Duty Businesses
Working Capital
Cover parts inventory, payroll, and shop expenses. Funded same day.
Learn More →Equipment Financing
Finance lifts, alignment racks, and diagnostic equipment — asset-backed.
Learn More →Business Line of Credit
Draw for parts and supplies as repair orders come in.
Learn More →Revenue-Based Financing
Payments flex with your daily revenue — lower during slow weeks.
Learn More →FAQs
Diesel / Heavy Duty Business Loan FAQs
Diesel Mechanic Loans & Heavy-Duty Shop Financing — $10K to $20M+
Everything in diesel costs more. A heavy-duty lift is $55K-$80K — that's 5x a passenger car lift. Diesel diagnostic tools run $30K. A DPF cleaning machine is $15K. And the bay space to fit a Class 8 truck means higher rent, bigger doors, and reinforced floors. You're running a capital-intensive operation and your bank treats you like an oil change shop. That's the disconnect.
And then a fleet contract lands. Twenty-five trucks, two weeks to mobilize. You need $90K in equipment and parts before the first truck shows up. Your bank says six weeks. We say five days. 70+ lenders who fund diesel and heavy-duty shops daily. Equipment financing for lifts, DPF machines, and diagnostics. Working capital for fleet mobilization and DOT season surges. One application, no hard pull. Diesel shops get funded fast because our lenders understand the math.
Stop Sending Customers Down the Street. Get Your Diesel / Heavy Duty Shop Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide