This Is Why You're Here
Why Fleet (2-10 Trucks)s Come to Us Instead of Their Bank
You’re running 5 trucks and want to add 3 more. Each used truck costs $55K-$75K. Your bank approved 1 — you need a lender who’ll finance the full expansion.
Driver turnover hit you — 2 drivers quit in one month. Recruiting, training, and sign-on bonuses cost $8K per driver. Meanwhile those 2 trucks are sitting and payments don’t stop.
Insurance renewal came in 22% higher — $85K this year vs $70K last year. You need to pay the premium in full to keep your authority active. The renewal is due in 3 weeks.
You landed a dedicated retail contract worth $52K/month but it requires ELD upgrades across all 7 trucks — $4,200 per unit plus installation. That's $29K in compliance costs before the first load moves.
Three trucks need tires at the same time — $4,800 per truck for drive and steer tires. That's $14,400 this month on top of a $38K fuel bill. Your broker payments won't clear for another 22 days.
Needed 3 trucks to land a dedicated contract. Bank approved 1. Basecamp got me $195K in fleet financing at 8.5% with 10% down. All 3 Kenworths delivered in 12 days.
Miguel R., Fleet Owner, 7 Trucks, Dallas, TX
Fleet (2-10 Trucks) Financing
Get Your Fleet (2-10 Trucks) 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 Fleet (2-10 Trucks) Businesses Choose Basecamp
Banks Only Finance One Truck at a Time
You need 3 trucks for a contract that starts in 6 weeks. Your bank will approve one and take 8 weeks. We package multi-truck financing under one facility with one application.
Driver Turnover Drains Cash Fast
Two drivers quit and you're out $16K in recruiting, training, and sign-on bonuses — while those trucks sit earning nothing. We fund hiring costs in 24 hours so empty trucks don't stay empty.
Insurance Renewals Hit All at Once
Your fleet insurance jumped 22% to $85K and it's due in 3 weeks. That's a cash bomb most fleet owners can't absorb. We fund the full premium so your authority stays active.
Fleet Maintenance Compounds Weekly
Five trucks means five sets of tires, brakes, oil changes, and DOT inspections. A $45K maintenance reserve keeps you from choosing which truck gets fixed first.
Bobby's Take
Bobby's Playbook for Fleet (2-10 Trucks)
Most small-fleet owners walking into a bank for $250K to grow from 4 trucks to 7 have only ever seen one type of underwriting — the kind built for a single-truck retail loan. Banks evaluate small fleets like they're three separate personal loans stacked, then wonder why the fleet's actual cash flow profile doesn't match. Here's what specialist small-fleet lenders actually look at — and how to position your transaction so the right specialists see it first.
Three things determine whether a small-fleet transaction closes: aggregate monthly deposits across the fleet, driver-retention metrics, and the asset list securing the new units. Not the FICO of any single guarantor. Not the age of the youngest truck. Specialist small-fleet lenders care about whether the existing fleet's deposits support adding $5,000-$8,000/month in new debt service — and whether you can keep drivers seated through the ramp on the new units.
The biggest mistake small-fleet owners make: financing each new truck through a different dealer's in-house program, ending up with 4 different rates, 4 different payment dates, and 4 different lenders calling them when they hit a slow month. The fix: structure a single fleet credit facility against the whole asset list, refinance the dealer notes into one payment. Specialist lenders ask about portfolio risk. Dealers ask about this one truck.
revenue a 4-truck fleet leaves on the table by not running as 7
Where this gets interesting at scale: a small fleet adding 3 trucks at once doesn't need three retail equipment loans. They need a fleet equipment facility + a working capital line sized for the ramp's payroll and fuel + factoring on the new lanes' broker pays + sometimes an SBA 7(a) for a yard or maintenance bay. Four products, multiple lenders, one application — that's how 5-truck operations climb to 15 without 14 different statements to reconcile each month.
The small-fleet owners who climb fastest aren't the ones who waited for perfect quarterly numbers. They're the ones who structured their fleet financing so capacity could expand on opportunity, not on calendar. Every month a 4-truck fleet operates as 4 trucks instead of 7 is roughly $40,000-$60,000 in revenue not booked. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your trucking fleet this week.
Bottom line:
Small fleets don't stall because demand dries up. They stall because four dealer notes, four payment dates, and four lenders eat the bandwidth that should be expanding the fleet.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Fleet (2-10 Trucks)s Face
Pricing Transparency
What Fleet (2-10 Trucks) 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 Fleet (2-10 Trucks)s
Finance the equipment. Keep your cash. Take the deduction. Your 5-truck package costs $390,000 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.
Fleet (2-10 Trucks) Capital Uses
What Fleet (2-10 Trucks) 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 fleet (2-10 trucks) 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 Fleet (2-10 Trucks) 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 Fleet (2-10 Trucks) 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
Fleet (2-10 Trucks) Business Loan FAQs
Small Fleet Trucking Loans & Fleet Expansion Financing — $10K to $20M+
You landed a dedicated contract worth $65K/month. But you need 3 more trucks to service it. Your bank approved one — at 25% down. That's $50K cash you don't have, for one truck when you need three. And the contract starts in 6 weeks. This is where fleet owners get stuck.
Here's what we do differently. We finance multi-truck packages under one facility. Three Kenworths at $65K each — $195K total, 10% down. Your rate depends on your profile, and the contract revenue covers payments within months. We've also funded $85K insurance renewals that jumped 22% overnight, $16K in driver recruiting costs when two guys quit the same week, and $45K maintenance reserves for fleets burning through tires and brakes. One application. No hard pull. Your fleet keeps growing.
Stop Watching Loads Pass You By. Get Your Fleet (2-10 Trucks) Operation Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide