This Is Why You're Here
Why Hotshots Come to Us Instead of Their Bank
You’re running a Ram 5500 with a 40-foot gooseneck. A $45K medium-duty truck would let you take heavier loads at $2/mile instead of $1.50. The truck is available now but your bank needs 8 weeks.
Your commercial auto insurance renewal jumped from $8K to $14K. It’s due in 15 days and you just paid for new tires and a DOT inspection. Cash is tight.
A oilfield client wants you to dedicate 2 trucks to their operation — guaranteed $18K/week. You need a second truck and trailer ($70K total) within 30 days.
You blew a turbo on your F-550 hauling pipe to a drill site — $6,800 repair and the oilfield dispatch won't hold your loads past 48 hours. The nearest shop that works on medium-duty trucks wants payment upfront.
Your gooseneck trailer axle snapped under a 16,000 lb load. New axle and alignment is $5,200 and you've got 4 loads booked this week at $1,800 each. Every day parked is $3,600 in lost revenue you won't get back.
Oilfield client wanted 2 dedicated trucks — $18K/week guaranteed. Needed a second rig and gooseneck fast. Basecamp funded $70K in equipment financing in 6 days. First oilfield load shipped 8 days later.
Brandon S., Hotshot Operator, Midland, TX
Hotshot Financing
Get Your Hotshot 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 Hotshot Businesses Choose Basecamp
Banks Don't Finance Medium-Duty Rigs
A Ram 5500 or F-550 isn't a Class 8 semi. Banks don't have a box for it. Our lenders finance medium-duty trucks and gooseneck trailers every day because they understand hotshot revenue.
Oilfield Contracts Move in Days, Not Weeks
An oilfield client wants you dedicated in 2 weeks. You need a second truck and trailer for $70K. Banks take 8 weeks. We fund in under 7 days so you don't lose the lane.
Insurance Spikes Hit Hotshot Carriers Hardest
Commercial auto insurance jumped 75% in one renewal — from $8K to $14K. Due in 15 days. That kind of cash hit parks trucks. We fund the full premium fast.
Time-Critical Freight Means Zero Downtime
You're hauling expedited freight where every hour matters. A $3K hitch repair or $6K tire blowout can't wait for a bank to call you back. We fund emergency repairs same day.
Bobby's Take
Bobby's Playbook for Hotshot
Most hotshot operators walking into a bank for a $45K medium-duty truck have only ever seen one type of underwriting — the kind that doesn't fit their business. Banks evaluate hotshots like they're buying personal vehicles, then wonder why the numbers don't pencil. Here's what hotshot lenders actually look at — and how to position your transaction so the right specialists see it first.
Three things determine whether a hotshot transaction closes: monthly bank deposits over consecutive months, equipment retention plan, and authority status. Not your personal FICO. Not your business age. Specialist hotshot lenders care about whether your business throws off enough cash to service a $1,200-$1,500/month equipment payment — and whether you'll keep the truck working long enough to amortize the loan.
The biggest mistake hotshot operators make: applying for trucking financing when their bank deposits show 4 months of strong revenue but the 5th month dipped because of a maintenance break. Lenders see that 5th month and underwrite to it. The fix: time your application after a strong 4-month run, OR submit a brief explanatory note when there's an obvious one-off. Specialist lenders ask for context — banks don't.
lost revenue every month a hotshot rig sits parked
Where this gets interesting at scale: a hotshot owner adding their second truck doesn't need ONE loan. They need an equipment loan for the new rig + a working capital line for fuel/insurance during the ramp + maybe an invoice factoring relationship for net-30 broker payments. Three products, three lenders, one application — that's how scaled hotshot operators get to fleet level without burning out their reserves.
The hotshot operators who scale fastest aren't the ones who waited for perfect credit or perfect timing. They're the ones who got their second truck on the road three months earlier than their competitors because they used the right financing structure. Every month parked is $5,000+ in lost revenue you don't get back. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your hotshot business this week.
Bottom line:
Hotshot operators don't fail because they can't get funded. They fail because they wait for a bank that doesn't price net-30 broker pays while competitors are already running the load.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Hotshots Face
Pricing Transparency
What Hotshot 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 Hotshots
Finance the equipment. Keep your cash. Take the deduction. Your medium-duty truck costs $51,000 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.
Hotshot Capital Uses
What Hotshot 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 hotshot 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 Hotshot 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 Hotshot 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
Hotshot Business Loan FAQs
Hotshot Trucking Loans & Hotshot Carrier Financing — $10K to $500K+
You're running a Ram 5500 with a 40-foot gooseneck and leaving money on the table every week. Loads over 19,500 lbs? Can't touch them. A $45K medium-duty truck lets you take $2/mile loads instead of $1.50. That's an extra $5,000/month in revenue. But your bank doesn't finance hotshot rigs because they don't understand the business model.
Here's what hotshot guys face that nobody else does. Your insurance jumped from $8K to $14K overnight — due in 15 days. An oilfield client offered you a dedicated $18K/week lane but you need a second truck and trailer in 2 weeks. You're running time-critical freight and your gooseneck hitch needs a $3K repair before tomorrow's load. We've funded $70K truck-and-trailer packages in 6 days, $14K insurance renewals in 48 hours, and $45K equipment upgrades that doubled a carrier's load capacity. One app. No hard pull.
Stop Watching Loads Pass You By. Get Your Hotshot Operation Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide