This Is Why You're Here
Why Courier / Deliverys Come to Us Instead of Their Bank
A medical lab wants you to handle all specimen deliveries — 40 stops/day. You need 2 more cargo vans ($35K each) and a driver before the contract starts in 3 weeks.
Your primary delivery van needs a new engine — $6K. You make 25 deliveries/day in that van. Renting a replacement costs $200/day while it’s down.
A pharmaceutical company offered you a dedicated route worth $8K/month. Setup costs include a temperature-controlled van ($42K), GPS tracking ($2K), and compliance certifications ($3K).
Your primary delivery van's transmission failed — $5,400 repair on a 2020 Transit. It handles 25 stops/day for a pharmacy client. Every day it's down you're paying a rental at $185/day and risking the contract.
A law firm needs same-day document delivery across 4 counties — $8K/month guaranteed. You need a second driver ($3,800/month), a dedicated van ($26K), and a $2,200 GPS tracking system before they'll finalize the agreement.
Medical lab contract required 2 more cargo vans and a driver in 3 weeks. Basecamp financed $70K in vans with great terms. We hit 40 stops/day on time. That contract doubled our revenue.
Priya K., Medical Courier Owner, Atlanta, GA
Courier / Delivery Financing
Get Your Courier / Delivery 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 Courier / Delivery Businesses Choose Basecamp
Medical Contracts Require Vehicles Yesterday
A lab offers you 40 stops/day but needs you operational in 3 weeks. That means 2 cargo vans purchased, insured, and on the road in 21 days. Banks can't move that fast. We can.
Temperature-Controlled Vans Cost Double
A pharma delivery route needs a $42K temperature-controlled van with GPS and compliance certs. That's not a standard vehicle purchase — and banks don't know how to underwrite it. Our lenders do.
One Van Down Means Missed Deliveries
Your primary van handles 25 deliveries a day. A $6K engine repair puts it out for a week while you rent at $200/day. We fund repairs in 24 hours so your delivery rate stays intact.
Each New Contract Needs Capital Before Revenue
You grow one client at a time. But every new contract means vans, drivers, insurance, and uniforms — all before the first invoice. We fund the gap between winning the contract and getting paid.
Bobby's Take
Bobby's Playbook for Courier / Delivery
Most courier and last-mile delivery operators walking into a bank for $40K in sprinter vans have only ever seen one type of underwriting — the kind built for a personal commuter loan. Banks evaluate courier and delivery loans like they're consumer auto loans, then wonder why a contracted route with weekly settlements and per-stop pricing doesn't fit their model. Here's what specialist courier lenders actually look at — and how to position your transaction so the right specialists see it first.
Three things determine whether a courier and delivery transaction closes: weekly settlement consistency from your contracting carrier, route density, and whether your driver-retention metrics support adding capacity. Not your personal FICO. Not whether you have W-2 history. Specialist courier lenders care about whether your weekly contracted settlements support a $700-$1,100/month per-van payment — and whether you can keep drivers seated through the ramp without losing routes back to the carrier.
The biggest mistake courier and delivery operators make: applying without separating contracted-route revenue from on-demand or spot deliveries. Lenders see blended deposits and underwrite to the on-demand variability. The fix: include a one-page contract summary showing weekly base settlement and route-count history. Specialist couriers lenders price contracted work as low-risk recurring revenue. Generalist lenders treat all delivery income the same.
per-route revenue forfeited without dispatch capacity
Where this gets interesting at scale: a courier and delivery operator going from 3 vans to 8 doesn't need ONE loan. They need equipment loans for the new vans + a working capital line for driver payroll and fuel during the ramp + sometimes a small SBA microloan for a parking yard or dispatch software. Three products, three lenders, one application — that's how single-route couriers scale to multi-route DSP operations without dropping a single same-day commitment.
The courier and delivery operators who scale fastest aren't the ones who waited for the carrier to offer them an extra route. They're the ones who had vans ready when an extra route opened mid-quarter. Turning down an offered route because you don't have capacity is $3,500-$6,000 a month per route. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your courier and delivery business this week.
Bottom line:
Couriers don't lose routes to better operators. They lose routes to operators who had vans on the lot the day a carrier offered them — because carriers reassign within the week.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Courier / Deliverys Face
Pricing Transparency
What Courier / Delivery 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 Courier / Deliverys
Finance the equipment. Keep your cash. Take the deduction. Your cargo vans (x5) costs $120,000 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 operation, truck count, and monthly deposits. No load history upload yet.
Soft Credit Screen
We screen options with no impact on your FICO or your authority's commercial credit.
Trucking-Specialty Lenders Compete
70+ lenders who fund OTR, owner-operators, hotshot, and fleets review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through equipment finance, working capital, and factoring alternatives.
Choose Your Offer, Sign, Get Funded
E-signature. Funds hit in time to fuel up, repair the rig, or onboard the next truck.
Courier / Delivery Capital Uses
What Courier / Delivery Businesses Use Funding For
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.
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 courier / delivery business?
Trucking insurance runs $12K-$25K per truck per year. InsuranceService365.com covers trucking companies across 29 states — liability, cargo, physical damage, authority compliance.
Don't Wait Until You Need Funding to Get Funded
Brokers pay net-30/45/60. Fuel is COD. Insurance is monthly. The operators who scale pre-qualified BEFORE the broker payment stretched to net-60. By the time you're scrambling for fuel money, your numbers look stressed; before, they look fundable. Pre-qualify when the loads are steady.
Ready?
See What Your Courier / Delivery 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 Trucking Companies Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Courier / Delivery Businesses
Working Capital
Cover fuel, repairs, and insurance while waiting on brokers to pay.
Learn More →Equipment Financing
Finance trucks, trailers, and fleet additions — asset-backed rates.
Learn More →Business Line of Credit
Revolving access for fuel, maintenance, and operating expenses.
Learn More →Invoice Factoring
Get paid on loads today instead of waiting 30-45 days.
Learn More →FAQs
Courier / Delivery Business Loan FAQs
Courier & Delivery Business Loans — $10K to $500K+
A medical lab just offered you all their specimen deliveries — 40 stops a day. But you need 2 more cargo vans at $35K each and a driver before the contract starts in 3 weeks. Your bank doesn't finance cargo vans for courier companies. They want collateral they understand, like real estate. Meanwhile a $96K/year contract is sitting there waiting for someone with two vans to say yes.
Here's what courier operators face every week. Your primary van needs a $6K engine and every day it's down costs $200 in rental fees. A pharma company offered you a dedicated route worth $8K/month but setup costs $47K — temperature-controlled van, GPS tracking, compliance certifications. You grew from 15 stops to 40 and now you need 3 more vans by next month. We've funded $70K in cargo van fleets, $42K temperature-controlled vehicle packages, and $6K emergency repairs. One application. No hard pull. Your deliveries keep running.
Stop Watching Loads Pass You By. Get Your Courier / Delivery Operation Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide