The Pinch Points
Why Small Fleets Come to Us Instead of Their Bank
A contract needs three more trucks in six weeks and your bank will finance one. We package the expansion under one facility against the revenue you've already secured. Sound familiar?
Bank Approved One of Three Trucks
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.
Two Drivers Quit, Two Trucks Idle
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 Up 22%, Due in Three Weeks
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.
$52K Contract, ELDs Across Seven Trucks
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, Tires, and a Fuel Bill
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.
Eight Trucks in Two Months
A national shipper offers a year-round dedicated lane worth roughly $60K a month — but only if you can field eight trucks within two months. You run five. Three more tractors plus ELDs and onboarding to qualify is well over $200K before the first settlement.
What an operator said
“Needed 3 trucks to land a dedicated contract. Bank approved 1. Basecamp got me $195K in fleet financing with 10% down. All 3 Kenworths delivered in 12 days.”
Miguel R. · Fleet Owner, 7 Trucks · Dallas, TX
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Small Fleets
Multiple Trucks Under One Facility
Banks finance one truck at a time and take weeks doing it. We package multiple tractors under a single facility on one application, sized to the contract that needs them.
Driver Recruiting, Funded Fast
Two drivers quit and you're out thousands in recruiting, training, and sign-on bonuses while the trucks sit. Working capital funds hiring fast so empty units don't stay parked.
Fleet-Wide Insurance, Paid in Full
A renewal that jumps 22% to $85K and is due in full can stall your authority. We fund the whole premium so coverage stays active and the fleet keeps rolling.
Expansion Tied to Contract Revenue
A dedicated contract starts in six weeks and needs trucks you don't have yet. We structure the expansion against the contract revenue so the new units pay their own way in.
Match Your Situation
The Cash-Flow Gaps We Fund for Small Fleets
Match your situation to the structure. Every one of these funds on your revenue, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Multi-truck acquisition | Adding 5 trucks to the fleet for a new contract. | Equipment Financing | $300K–$1M | 5–10 days |
| Driver recruitment costs | Signing bonuses, training, and drug testing for 10 new drivers. | Working Capital | $75K–$200K | 1–3 days |
| Fuel card cash-flow gap | $50K/week in fuel across 20 trucks while customers pay net-30. | Working Capital or LOC | $75K–$250K | 1–5 days |
| Fleet maintenance backlog | 8 trucks need DOT inspection repairs simultaneously. | Working Capital | $75K–$150K | 1–3 days |
| Technology upgrade | ELDs, dashcams, and GPS across the entire fleet. | Equipment Financing | $75K–$150K | 3–5 days |
The Products
How Small Fleet Financing Is Structured
Most small-fleet files fund between $75K and $5M+, structured to the trucks, drivers, or renewal in front of you. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Equipment Financing | $75K–$5M+ | 2yr–10yr | Multi-truck packages, ELDs, shop equipment | 3–7 days | Equipment serves as collateral |
| Working Capital | $75K–$5M+ | 6mo–10yr | Driver recruiting, maintenance, payroll | 1–3 days | Often unsecured, daily/weekly ACH |
| Invoice Factoring | $75K–$5M+ | Per invoice | Fleet-wide net-30/45 receivables | 1–2 days | Invoices secure the line, no PG typically |
| Business LOC | $75K–$5M+ | Revolving | Fuel and tires across the fleet | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on a Five-Truck Package — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“Put 10% down on a five-truck package and write off the full cost in year one. The deduction dwarfs the cash you put down, and all five units are running freight the whole time. Your CPA models the bracket.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between a fleet (2-10 trucks) file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Small Fleet Trucking Financing
Scaling Capital as Fast as You Scale Trucks
Going from one truck to a fleet multiplies every cost at once — driver payroll, insurance on every unit, maintenance across the fleet, and fuel that climbs with each truck you add. When a dedicated contract needs three more tractors in six weeks, your bank approves one and takes two months doing it. We package multi-truck financing under a single facility, sized to the contract revenue, so you field every unit the lane requires on its timeline.
One Application, 70+ Lenders
An $85K insurance renewal that jumped 22%, $16K in driver recruiting when two drivers quit the same week, or a $45K maintenance reserve so you're not choosing which truck gets fixed first — we connect you with 70+ lenders who fund small fleets every week. Equipment financing, working capital, and lines of credit — $75K to $5M+, on your revenue. One application, soft-pull review to start.
Common Questions
Fleet (2-10 Trucks) Financing — Questions, Answered
Fleet financing ranges from $75K to $5M+. Equipment financing covers multiple trucks in a single facility — for example, a 3-truck package around $195K, structured over several years with the trucks as collateral.
Yes. Our equipment financing partners offer fleet packages that finance 2-10+ trucks under a single facility. This is faster and often cheaper than financing each truck individually.
Working capital loans fund in 24 hours for immediate recruiting and sign-on bonus costs. A line of credit provides ongoing access for recurring hiring expenses without reapplying each time.
No. Soft credit pull only — zero FICO impact.
A fleet facility packages multiple tractors under one structure on a single application, sized to the contract, so you field all the units the lane requires on its timeline instead of one at a time. A soft-pull review shows terms with no FICO impact.
Recommended Funding
The Products That Fit Fleet (2-10 Trucks) Work
Equipment Financing →
Finance multi-truck fleet expansion with each unit as collateral — package financing available.
Invoice Factoring →
Convert fleet-wide broker receivables into working capital without waiting net-30/45.
Working Capital Loans →
Cover driver recruitment costs, insurance renewals, and fleet-wide maintenance.
Business Line of Credit →
Draw for fuel, tires, and payroll across the fleet — repay from settlements.