“Broker owed us $180K in outstanding invoices. Fuel bill was due Friday. Basecamp Funding funded us $120K in 24 hours — no factoring, no giving up our margin. We kept every cent of our freight revenue.”
★★★★★ — Marcus D. . OTR Fleet . 8 Trucks . Memphis, TN
See What You Qualify For
Find Out What You Qualify For 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
Your Application Gets Matched Across 70+ Lending Partners Including
Multiple lenders compete for your business — you pick the best offer
Trucking Business Loans & Fleet Financing — $10K to $10M+
Basecamp Funding connects owner-operators, fleet owners, and freight companies with over 70 lending partners specializing in trucking business loans. Whether you need working capital to cover fuel and payroll between broker payments, equipment financing for semis and trailers, a business line of credit for maintenance and insurance, or invoice factoring alternatives that let you keep 100% of your freight revenue — we match you with the best rates and terms available.
Solo owner-operators, small fleets, and mid-size carriers running OTR, refrigerated, flatbed, hotshot, box truck, dump truck, auto transport, tanker, and long-haul operations trust Basecamp Funding for fast, flexible capital. From a $20K engine rebuild to a $3M fleet expansion — one 60-second application, no hard credit pull, no minimum credit score.
Most trucking loan approvals happen within hours. Same-day funding is available on select products. Stop losing 3-5% per load to factoring companies and stop waiting on banks that don't understand freight cycles — let 70+ lenders compete for your business.
Sound Familiar?
Why Trucking Companies Come to Us Instead of Their Bank
You landed a $200K/month freight contract but need $85K upfront for two additional trucks. Your bank wants to see two years of the contract first.
Your Peterbilt threw a rod 600 miles from home. The shop wants $22K and your truck makes $4K/week sitting idle. You need money today, not in 3 weeks.
Broker payments are running 45-60 days late. You've got $140K in outstanding receivables but fuel, insurance, and driver pay don't wait.
You want to add 5 trucks to your fleet this year. Your bank approved you for 2. You need a lender who understands fleet scaling.
You're 9 months in as an owner-operator. Revenue is $18K/month but every bank wants two years of tax returns you don't have yet.
Your factoring company takes 3-5% per load. That's $45K-$75K a year on a million in revenue. There are cheaper options but you don't know where to start.
If any of this sounds familiar, you're exactly who we built this for.
Get Your Options →“My factoring company was eating 4% of every load. Basecamp got me a $100K line of credit in 3 days. I'm saving $3,000 a month.”
★★★★★ — Rick T., Fleet Owner, Georgia
Why Us
Why Trucking Companies Choose Us Over Banks
We built our process around the way trucking companies actually operate — not the way banks wish you did.
We Understand Net-45 Freight
Banks don't account for the 30-60 day gap between delivery and broker payment. Our lenders factor freight cycles into underwriting and fund around them.
Owner-Operators Are Welcome Here
Banks want fleets with 20+ trucks. Our lenders fund single-truck owner-operators every day. If your MC is active and deposits are consistent, you qualify.
We Don't Take a Cut of Your Freight
Factoring companies charge 2-5% per invoice, costing you tens of thousands a year. Our lenders provide fixed repayment terms so 100% of your freight stays yours.
Breakdowns Don't Wait for Bank Approval
A $25K engine rebuild on a Tuesday can't wait 6 weeks for a bank. Our lenders fund emergency repairs fast enough to get your truck back on the road.
Spot Market Dips Don't Scare Us
Freight rates fluctuate weekly. Banks see volatile revenue and decline. Our lenders understand spot vs. contract rates and approve through market cycles.
Insurance Renewals Won't Park Your Trucks
Trucking insurance premiums can hit $15K+ per truck per year, due in full. Our lenders fund insurance costs so your authority stays active and trucks keep moving.
The average broker payment cycle is 37 days — fuel is due today
— TriumphPay Freight Index
Trucking companies pay an average of $9,000 per truck per year in maintenance costs alone
— American Transportation Research Institute
73% of owner-operators report cash flow gaps as their biggest operational challenge
— Owner-Operator Independent Drivers Association
Free Tool
What Can Your Trucking Companie Business Qualify For?
Enter your monthly revenue, time in business, and industry to see your estimated approval range and recommended products. No credit pull.
Avoid These
5 Funding Mistakes That Cost Trucking Companies the Most
"Factoring every load forever"
Factoring is a great bridge tool but at 3-5% per invoice, a company doing $80K/month in freight is paying $30K-$50K/year in factoring fees. A $150K line of credit at 15% APR costs $22K/year and you keep all your receivables.
"Financing a truck without shopping rates"
The dealership's in-house financing is convenient but typically 2-5% higher than competitive rates. On a $180K truck over 5 years, that's $15K-$40K in extra interest.
"Ignoring the total cost of an MCA"
A $50K merchant cash advance with a 1.35 factor rate costs $67,500 total. That's 35% on a 6-month term — 70% annualized. Most trucking companies can qualify for significantly cheaper products.
"Not separating business and personal credit"
Owner-operators who run everything through personal accounts limit their financing options. Business bank accounts with consistent deposits are the #1 thing lenders look at.
"Waiting until a truck breaks to plan for equipment"
Emergency equipment financing costs more than planned financing. Building a relationship with a lender before you need them means pre-approved credit when the transmission goes.
“Engine blew on I-40. Had $22K wired to the shop by the next afternoon. Try getting that from a bank.”
★★★★★ — Carlos P., Owner-Operator, New Mexico
How We Compare
How We Compare
Not all funding sources are created equal. Here's how we stack up against your other options.
Funding by Operation Size
How We Fund Trucking Companies at Every Stage
Solo Owner-Operator / 1-3 Trucks
Common Needs
Working capital, equipment financing
24-48 hours
James, owner-operator out of Memphis — needed $28K for an engine rebuild on his Freightliner. Bank said no because he'd only been in business 8 months. Approved in 6 hours, funded next morning. Back on the road in 4 days.
Small Fleet / 4-15 Trucks
Common Needs
Line of credit, equipment financing, working capital
24-72 hours
Martinez Freight, 9-truck operation in Dallas — $220K equipment line for 3 additional Kenworths. Their factor rate through the dealer was 12%. We got them 7.8% through our network. Saved $31K over the life of the loans.
Mid-Size Fleet & Freight Company / 15-100+ Trucks
Common Needs
Term loans, SBA loans, large equipment financing, acquisition financing
1-2 weeks for complex financing
Heartland Carriers, 42 trucks — $3.1M fleet expansion. 12 new Peterbilt 579s with APUs and full telematics. Traditional lender wanted 30% down. Funded with 10% down through our commercial equipment network in 16 days.
Funding Built for Your Stage of Growth
Whether you're an owner-operator or running a 50-truck fleet, we match you with the right product and amount.
Growing Businesses
$10K – $500K
Revenue-based funding for working capital, equipment, and growth. Most businesses fund in 1–3 days.
See What You Qualify For →Established Businesses
$500K – $5M
Term loans, SBA loans, and large equipment financing for businesses with $500K+ monthly revenue.
See What You Qualify For →Commercial & Complex Financing
$5M – $10M+
Business acquisitions, commercial real estate, and structured financing. Dedicated commercial lending team.
Request a Financing Review →Pricing Transparency
What Trucking Funding Actually Costs
Most lenders hide the real cost behind jargon. Here's what businesses actually pay.
Rates and terms vary by credit profile, revenue, and time in business. These are typical ranges for trucking companies in our network.
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
A single funding specialist calls you with 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.
Use Your Capital For
How Trucking Companies Use Basecamp Funding
Truck & Trailer Purchase
Semis, reefers, flatbeds, box trucks, trailers. Finance your next unit without a massive down payment.
Fuel & Operating Costs
Diesel, DEF, tolls, permits, lumper fees. Bridge the gap between delivery and payment.
Fleet Expansion
Add trucks, hire drivers, take on bigger contracts. Scale without draining your reserves.
Maintenance & Repairs
Engine rebuilds, tires, DOT inspections, breakdowns. Keep your trucks on the road, not in the shop.
Insurance & Permits
Liability, cargo, physical damage, MC authority, IFTA. Cover the costs that never stop.
Driver Hiring & Payroll
CDL drivers, owner-operator settlements, office staff. Fund payroll while you wait on broker payments.
Technology & ELD
ELD compliance, GPS tracking, dispatch software, dashcams. Stay compliant and efficient.
Debt Consolidation
Refinance high-cost MCAs, equipment loans, or factoring agreements into one payment.
Working Capital Bridge
Cover the net-30/45/60 gap. Fund today's expenses with tomorrow's confirmed revenue.
“10 months in business, no bank would touch me. Basecamp approved $45K working capital based on my deposits alone.”
★★★★★ — DeShawn W., Owner-Operator, Tennessee
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
Before You Apply
What to Have Ready
Having these speeds up your approval. Don't have everything? Start anyway — we'll guide you.
✓3 months of bank statements
Business operating account
✓Business checking account
Dedicated business account (not personal)
✓MC number or DOT number
Active operating authority
✓Government-issued ID
Driver's license or passport
✓Outstanding debt details
Equipment loans, MCAs, factoring agreements
✓Approximate monthly revenue
Doesn't need to be exact — ballpark is fine
The Next Breakdown Shouldn't Park Your Business
Fuel spikes. Tire blowouts. Insurance renewals. A truck that needs a $25K engine rebuild on a Tuesday. The difference between an operator who survives these hits and one who doesn't is a pre-approved credit line ready to deploy. See what you qualify for while your revenue is flowing.
No credit impact · No obligation · 60 seconds
See What You Qualify For
See What You Qualify For. No Credit Impact. No Obligation.
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
Recommended Products
Recommended Loan Products for Trucking Companies
The most popular funding types for trucking companies businesses. Each links to a detailed product page.
Working Capital Loans
Bridge the gap between delivery and broker payment for fuel, tolls, and payroll.
View Product Details →Equipment Financing
Finance your next semi, reefer, flatbed, or trailer without a massive down payment.
View Product Details →Revenue-Based Financing
Flexible repayment that adjusts with your freight volume and seasonal cycles.
View Product Details →Business Line of Credit
Draw funds for maintenance, repairs, and insurance as needs arise on the road.
View Product Details →Financing by Operation Type
Every trucking operation. Click yours for tailored options.
Need commercial insurance for your trucking companies business?
Our partner Direct Insurance Services covers trucking companies businesses across 29 states.
FAQs
Trucking Business Loan FAQs
James W.
Fleet Owner | Dallas, TX
“Financed two Freightliners through Basecamp. The whole process took 4 days from application to funded. Way easier than going through the dealer’s financing.”
Your Wheels Shouldn't Stop Turning Because a Broker Is Slow to Pay
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide