This Is Why You're Here
Why OTR / Long Hauls Come to Us Instead of Their Bank
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.
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.
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.
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.
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.
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
OTR / Long Haul Financing
Get Your OTR / Long Haul 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 OTR / Long Haul Businesses Choose Basecamp
Fuel Cards Max Out Mid-Route
You're 800 miles from home burning $900/day in diesel and your fuel card declines. We fund fast enough to get you fueled and rolling before you lose a $2,500 load.
Roadside Breakdowns Can't Wait
An in-frame overhaul costs $18K-$25K and every day parked is $1,500 in missed freight. We wire to the shop directly so your downtime stays in hours, not weeks.
Brokers Pay Net-45, You Pay Daily
Your broker owes you $90K but fuel, tolls, and lumpers are due today. We bridge that gap without taking a cut of your freight revenue like factoring does.
Second Truck Financing for Dedicated Lanes
You landed a $3.20/mile dedicated lane but need a second rig to run it. Banks want 2 years of fleet history. We finance based on the contract revenue you've already secured.
Bobby's Take
Bobby's Playbook for OTR / Long Haul
Most OTR operators walking into a bank for a $95K used Cascadia have only ever seen one type of underwriting — the kind built for a personal auto loan, not a long-haul business. Banks evaluate OTR carriers like they're buying a passenger vehicle, then wonder why a $5K weekly fuel spend and net-60 broker terms don't pencil. Here's what specialist OTR lenders actually look at — and how to position your transaction so the right specialists see it first.
Three things determine whether an OTR transaction closes: monthly bank deposits across the last four to six months, the broker mix paying you, and your equipment-retention plan. Not your personal FICO. Not your business age. Specialist OTR lenders care about whether your business throws off enough monthly cash to service a $1,400-$2,200/month equipment payment between net-45 and net-60 broker pays — and whether your trailers and tractors will keep grossing miles long enough to amortize the loan.
The biggest mistake OTR operators make: applying for financing right after a slow-rate week, when the bank statement shows a $9K dip from a missed lane reassignment. Underwriters anchor on the dip and price to it. The fix: time the application after a strong four-week run, OR submit a brief lane-and-load context note explaining a one-off (a 5-day repair, a hurricane reroute, a broker dispute). Specialist lenders ask for context. Banks don't.
lost revenue every week an OTR tractor sits parked
Where this gets interesting at scale: an OTR owner adding a second truck doesn't need ONE loan. They need an equipment loan for the new tractor + a working capital line for fuel and DOT compliance during the ramp + maybe an invoice factoring relationship for net-45 broker pays. Three products, three lenders, one application — that's how scaled OTR operators get to fleet level without burning out their reserves or factoring away every load's margin.
The OTR operators who scale fastest aren't the ones who waited for perfect FICO or the perfect freight market. They're the ones who got their second tractor on the road two months earlier than competitors because they used the right financing structure. A parked tractor loses $2,000-$4,000 in revenue every week it sits. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your OTR business this week.
Bottom line:
OTR carriers don't fail because banks won't lend. They fail because they wait for the wrong lender to bless a one-off slow week while their next lane runs without them.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges OTR / Long Hauls Face
Pricing Transparency
What OTR / Long Haul 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 OTR / Long Hauls
Finance the equipment. Keep your cash. Take the deduction. Your sleeper cab truck costs $87,000 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.
OTR / Long Haul Capital Uses
What OTR / Long Haul 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 otr / long haul 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 OTR / Long Haul 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 OTR / Long Haul 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
OTR / Long Haul Business Loan FAQs
OTR Trucking Loans & Long Haul Driver Financing — $10K to $20M+
Look. You're running 10,000 miles a week, burning through $5,000 in diesel, and your broker's sitting on $90K of your money for another 30 days. Your fuel card doesn't care about net-45. And your bank wants six weeks and two years of tax returns to approve a $50K line. That's not how OTR works.
Here's the thing — you don't need a bank that treats you like every other small business. You need a lender who understands that your Cascadia is a $95K revenue-generating asset, not a depreciating liability. We've funded $18K engine overhauls from truck stops, $65K second-truck purchases for dedicated lanes, and $75K fuel bridges when brokers went net-60. One application. 60 seconds. No hard pull. Your freight keeps moving.
Stop Watching Loads Pass You By. Get Your OTR / Long Haul Operation Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide