The Pinch Points
Why Long-Haul Carriers Come to Us Instead of Their Bank
You run freight for weeks while brokers pay net-60, and the bank wants two years of returns to approve a fuel line. Our lenders read the loads, not just the credit file. Sound familiar?
10,000 Miles a Week, Broker on Net-60
You're running 10,000 miles a week and fuel costs $4,500–$6,000. Your top broker switched to net-60 payments. That's $50K+ in outstanding freight bills while diesel doesn't wait.
In-Frame Overhaul, 1,200 Miles From Home
Your engine needs an in-frame overhaul — $18K–$25K. You're 1,200 miles from home and the shop wants a deposit before they start. Every day parked costs $1,500 in lost loads.
$3.20/Mile Lane Needs a Second Truck
You found a dedicated lane paying $3.20/mile — but the shipper requires a second truck. A used Freightliner Cascadia is $65K. Your bank won't finance a second unit without 2 years of fleet history.
Tire Bills and Blowouts Eating the Reserve
You're running 3 trucks and your tire bill hit $14K this quarter. Two blowouts on I-40 last month cost you $3,200 in emergency roadside service plus $2,800 in lost loads. You need a maintenance reserve but every dollar goes to fuel and driver settlements.
$127K Delivered, Payroll Due Friday
Your top shipper just switched to net-60 payments and you've got $127K in outstanding invoices. Payroll for your 2 drivers is $9,400 this Friday and your fuel card balance is $11K. The freight is delivered — you just can't get paid fast enough.
Three Trailers on a Fixed Lane
A dedicated retail account wants you running three trailers on a fixed lane — about $40K a month in committed freight — but you need two more sleeper tractors and a maintenance reserve to take it. It starts in six weeks, and your bank won't finance multiple units on a contract that isn't seasoned.
What an operator said
“Broker owed me $92K and fuel was due Monday. Basecamp got me $75K in working capital in 18 hours. Didn't miss a single load that week.”
Travis M. · OTR Driver, 2 Trucks · Little Rock, AR
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 OTR and Long-Haul Carriers
Fuel Float, Covered Between Settlements
You're burning $4,500–$6,000 a week in diesel while a broker sits on net-60. A working line or revenue-based advance keeps the tanks full between settlements — without handing a factor a cut of every load.
Major Repairs, Funded to the Shop
An in-frame overhaul runs $18K–$25K and every day parked costs you freight. We can fund the repair and pay the shop directly, so downtime stays measured in hours, not weeks.
Tractors and Trailers, Financed
A dedicated lane needs a second sleeper tractor or a dry van you don't have. Equipment financing puts the unit on the road against the contract revenue, with the truck itself as collateral.
Net-60 Freight, Advanced
Loads are delivered but the broker pays in 45 to 60 days while fuel, tolls, and lumpers are due now. A/R financing advances against those invoices so settled freight funds the next run.
Match Your Situation
The Cash-Flow Gaps We Fund for Long-Haul Carriers
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 | |
|---|---|---|---|---|
| Fuel cost spikes | Diesel jumps $0.50/gallon, adding tens of thousands a month across a running fleet. | Working Capital | $75K–$1M | 1–3 days |
| Fleet maintenance cycle | In-frame rebuilds and DOT repairs across the fleet run $300K+ in a quarter. | Equipment Financing | $75K–$1M | 3–5 days |
| Broker payment float | Loads delivered, brokers pay in 30–45 days, fuel and payroll due now. | Invoice Factoring | $75K–$2M | 1–2 days |
| Fleet-wide compliance upgrade | ELD, tires, and brakes across the fleet to pass DOT inspection. | Working Capital | $75K–$500K | 1–2 days |
| Second truck acquisition | Adding capacity means financing a batch of used Peterbilt/Freightliner units. | Equipment Financing | $500K–$3M | 3–7 days |
The Products
How OTR and Long-Haul Financing Is Structured
Most long-haul carrier files fund between $75K and $5M+, structured to the fuel float, repair, or truck in front of you. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Working Capital | $75K–$5M+ | 6mo–10yr | Fuel float, payroll, roadside repairs | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–10yr | Tractors, trailers, engine overhauls | 3–7 days | Equipment serves as collateral |
| Invoice Factoring | $75K–$5M+ | Per invoice | Net-45/60 broker receivables | 1–2 days | Invoices secure the line, no PG typically |
| Business LOC | $75K–$5M+ | Revolving | Weekly fuel, tolls, lumpers | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on a Sleeper-Cab Tractor — 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 sleeper-cab tractor and you write off the full price in year one. The deduction beats your cash out the door, and the truck's earning miles 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 an otr / long haul 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
OTR & Long-Haul Trucking Financing
Running Freight While Brokers Sit on Net-60
Long-haul economics are brutal on cash. You burn $4,500 to $6,000 a week in diesel, run 10,000 miles, deliver the load, and then wait 45 to 60 days for the broker to pay. Your fuel card doesn't care about net-60, and your bank wants two years of returns to approve a line. Our lenders read your loads and your deposits — they fund the fuel float, the engine overhaul, and the second truck around the reality of how freight actually pays.
One Application, 70+ Lenders
Whether it's an $18K in-frame overhaul from a truck stop, a $65K second tractor for a dedicated lane, or a working line to bridge a broker that went net-60, we connect you with 70+ lenders who fund carriers every week. Equipment financing, working capital, A/R advances, and lines of credit — $75K to $5M+, on your revenue. One application, soft-pull review to start.
Common Questions
OTR / Long Haul Financing — Questions, Answered
A business line of credit lets you draw for fuel weekly and repay when brokers pay — often cheaper than factoring every load at 3–5%. Working capital loans also fund in 24 hours for immediate fuel needs.
Yes. Emergency working capital funds as fast as same day — we can wire money directly to the repair shop. If your truck earns $1,500/day sitting idle, same-day funding pays for itself immediately.
Fleet equipment financing typically runs $75K to $5M+ with the trucks as collateral, depending on fleet size, credit, and time in business. A soft-pull review shows your actual terms.
No. Soft credit pull only — zero FICO impact.
A working-capital line or revenue-based advance bridges delivery to settlement and can fund the same day, so you don't park or turn down a load. A soft-pull review shows terms with no FICO impact.
Recommended Funding
The Products That Fit OTR / Long Haul Work
Equipment Financing →
Finance semis, trailers, and engine overhauls — the equipment is the collateral.
Invoice Factoring →
Convert unpaid broker invoices into same-day cash instead of waiting net-45 to net-60.
Working Capital Loans →
Cover fuel advances, tire replacements, and roadside repairs between broker payments.
Business Line of Credit →
Draw for weekly fuel and expenses, repay when broker settlements clear.