This Is Why You're Here
Why Towings Come to Us Instead of Their Bank
Your main flatbed needs a new bed and winch — $18K repair. It handles 60% of your calls. A rental tow truck costs $500/day while yours is in the shop.
A municipality awarded you the police tow contract — 200+ tows/month. You need a second flatbed ($75K) and a medium-duty wrecker ($120K) to handle the volume.
Your insurance renewal came in $15K higher than last year. It's due in 3 weeks and there's no negotiating — cancel and you lose your municipal contracts.
Your dispatcher quit and you need a $9K dispatch software system plus a $4K GPS fleet tracking upgrade — today. Without dispatch software, you're routing trucks by text message and losing 3-4 calls a day to competitors.
AAA wants to add you to their preferred provider rotation but requires a second truck within 30 days. A used flatbed is $48K. That AAA contract would add 80+ calls a month at $85-$125 each.
Won the city police tow contract — needed a second flatbed ($78K) and a medium-duty wrecker ($125K). Basecamp financed both trucks in 6 days. That contract alone brings in $18K a month.
Keith R., Towing Company Owner, Indianapolis, IN
Towing Financing
Get Your Towing 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 Towing Businesses Choose Basecamp
Truck Downtime Means Zero Revenue
Your flatbed handles 60% of calls. When it's down, you're paying $500/day for a rental — if you can even find one. A $18K repair or $75K replacement can't wait for your bank's 6-week process. We fund truck repairs and purchases in days.
Municipal Contracts Have Hard Deadlines
You win the police tow contract — 200 tows a month. But you need a second flatbed and a wrecker on the road in two weeks or the city gives it to someone else. We've funded $200K+ in tow trucks in under a week for exactly this situation.
Insurance Premiums Hit Like a Freight Train
Towing insurance is brutal — $15K-$30K renewals that spike without warning. It's non-negotiable. Cancel and you lose your municipal contracts, your rotation spots, everything. We fund premium payments so a surprise increase doesn't shut you down.
Bed and Winch Repairs Are Emergency Spending
A hydraulic bed failure or winch breakdown doesn't wait for a budget meeting. You're on the side of a highway with a car that needs to move. We fund emergency truck repairs in 24-48 hours because in towing, downtime isn't an inconvenience — it's lost contracts.
Bobby's Take
Bobby's Playbook for Towing
Most towing operators get evaluated like retail businesses by banks — daily cash, inventory turn, walk-in traffic. What banks miss is that motor-club contracts plus police-rotation revenue plus impound-yard income on 24/7 dispatch produces a different cash-flow signature, and the lenders who fund towing operators 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 towing transaction closes: motor-club and police-rotation contract status, average call ticket, and your impound-yard or storage revenue. Not your personal FICO. Not your time in business. Specialist towing lenders care about whether your monthly call revenue supports a $1,800-$3,500/month payment — and whether your motor-club and police-rotation contracts give the file recurring contracted-revenue stability.
The biggest mistake towing operators make: applying without separating motor-club contract revenue (AAA, etc.) from cash-call revenue. The lender sees mixed deposits and applies general transportation aging. The fix: separate motor-club and police-rotation contract revenue from cash-call revenue. Specialist towing lenders price motor-club and police contracts as recurring contracted revenue. Generalist lenders treat all towing revenue as transactional.
motor-club rotation revenue lost without truck capacity
Where this gets interesting at scale: a towing operator adding a tow truck, expanding into heavy-duty rotators, or buying an impound-yard doesn't need ONE loan. They need equipment financing for the new truck or rotator + a working capital line for fuel and 24/7 dispatch staffing + sometimes a SBA 7(a) for the impound-yard real estate. Three products, three lenders, one application — that's how single-truck towing operators scale into multi-truck regional towing operations.
The towing operators who scale fastest aren't the ones who waited for the next motor-club or police contract before adding truck capacity. They're the ones who had a tow truck ready when an additional motor-club rotation opened. Turning down a motor-club rotation expansion because you can't add a truck is $15,000-$35,000 a month in recurring contracted call revenue. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your towing business this week.
Bottom line:
Towing operators get priced on transactional cash calls when motor-club and police-rotation contracts are recurring contracted revenue. Separate the contracts on the file — generalists treat all towing as one bucket.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Towings Face
Pricing Transparency
What Towing 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 Towings
Finance the equipment. Keep your cash. Take the deduction. Your flatbed wrecker costs $57,000 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.
Towing Capital Uses
What Towing 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 towing 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 Towing 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 Towing 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
Towing Business Loan FAQs
Tow Truck Loans & Towing Company Financing — $10K to $20M+
Towing is a 24/7 business with 24/7 expenses. A flatbed runs $75K-$95K. A medium-duty wrecker is $120K-$150K. Insurance renewals hit $15K-$30K and spike without warning. And when your main truck goes down — the one that handles 60% of your calls — you're paying $500 a day for a rental while your bank takes six weeks to process a loan. That math doesn't work.
And then opportunity knocks. The city awards you the police tow contract. Two hundred tows a month. But you need a second flatbed and a wrecker on the road in two weeks or the contract goes to someone else. That's where we come in. 70+ lenders who finance tow trucks, wreckers, and rotators. Working capital for insurance premiums and emergency repairs. Equipment financing with the truck as collateral. One application, no hard pull. We've funded $200K+ in tow trucks in under a week.
Stop Sending Customers Down the Street. Get Your Towing Shop Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide