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. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · 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.
What You're Up Against
The Real Challenges Towings Face
Pricing Transparency
What Towing Funding Actually Costs
Rates vary by credit, revenue, and time in business. These are typical ranges.
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, Basecamp Funding - Founder
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Application
Answer a few quick questions about your business. No documents needed yet.
Soft Credit Check
We check your options with zero impact on your FICO. Your score stays untouched.
Lenders Compete Behind the Scenes
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
One Specialist, Multiple Offers
Your funding specialist presents your best options. No spam calls. No runaround.
Pick Your Offer & Get Funded
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
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
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
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
No hard credit pull · 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 $5M+
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 Waiting on Banks. Get Your Towing Business Funded Today.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide