This Is Why You're Here
Why Owner-Operators Come to Us Instead of Their Bank
You just got your authority and need $15K for insurance deposits, ELD setup, and operating capital. Banks don’t lend to carriers with zero revenue history.
Your transmission is slipping at 400K miles. Rebuild is $8K, replacement is $14K. You make $4,200/week but the shop wants half upfront before they’ll start.
Factoring is eating 4% of every load — that’s $40K/year on $1M in freight. You want to switch to a line of credit but don’t know if you qualify with 9 months of operating history.
Your DOT annual inspection flagged brake drums and a cracked frame rail — $11K in mandatory repairs. You can’t haul until it’s fixed and you’ve got a $6,200 load booked for Thursday that you’ll lose if the truck isn’t rolling.
You want to buy your truck from the lease company — buyout is $42K and they want a decision in 10 days. You’re currently paying $2,800/month to lease. Financing the buyout drops your payment to $1,100/month but your bank won’t touch a 2018 Peterbilt with 600K miles.
Was paying $3,200/month factoring fees. Basecamp matched me with a $100K line of credit at 14% APR. Saved me $19K the first year and I keep 100% of my freight.
Darnell W., Owner-Operator, Nashville, TN
Owner-Operator Financing
Get Your Owner-Operator 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. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Built for Your Business
Why Owner-Operator Businesses Choose Basecamp
Factoring Is Eating Your Margins
You're paying 3-5% per load to a factor because nobody told you a credit line exists. On $80K/month in freight, that's $30K-$48K a year. We fix that.
Fresh Authority, Zero History — Still Funded
Banks want 2 years. You've been running 8 months. We approve based on your deposits and load consistency, not how long your MC has been active.
One Truck Means One Breakdown Away
Your entire income depends on one rig. A $14K transmission replacement can't wait 6 weeks for bank approval. We fund emergency repairs in 24 hours so you're not parked.
Solo Revenue Scares Banks — Not Us
Banks see one truck and one driver and call it risk. We see consistent deposits and a CDL holder who runs 11,000 miles a month. That's a fundable business.
What You're Up Against
The Real Challenges Owner-Operators Face
Pricing Transparency
What Owner-Operator Funding Actually Costs
Rates vary by credit, revenue, and time in business. These are typical ranges.
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 Owner-Operators
Finance the equipment. Keep your cash. Take the deduction. Your used day cab costs $48,750 after taxes and you never touched your reserves.
— Bobby Friel, Basecamp Funding - Founder
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Application
Answer a few quick questions about your business. No documents needed yet.
Soft Credit Check
We check your options with zero impact on your FICO. Your score stays untouched.
Lenders Compete Behind the Scenes
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
One Specialist, Multiple Offers
Your funding specialist presents your best options. No spam calls. No runaround.
Pick Your Offer & Get Funded
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Owner-Operator Capital Uses
What Owner-Operator 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 owner-operator 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
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
Ready?
See What Your Owner-Operator 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
No hard credit pull · No obligation · Estimate only
Other Trucking Companies Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Owner-Operator 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
Owner-Operator Business Loan FAQs
Owner-Operator Truck Loans & Financing — $10K to $500K+
You left the mega-carrier to build something yours. And now you're paying $3,200/month to a factoring company that takes 4% of every single load. On $80K/month in freight, that's $38K a year — gone. A $100K credit line at 14% APR costs you $14K. You'd save $24K year one. But nobody told you that because your factor doesn't want you to leave.
Here's what we do for owner-operators every day. Your transmission is slipping at 400K miles and the rebuild is $8K — funded in 24 hours. You need $15K for insurance deposits and ELD setup on a fresh authority — done. You want to finance a $95K Cascadia instead of leasing at $2,800/month — we'll get you to $1,926/month and you own the truck. One application. No hard pull. We fund on your deposits, not your tax returns.
Stop Waiting on Banks. Get Your Owner-Operator Business Funded Today.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide