The Pinch Points
Why Owner-Operators Come to Us Instead of Their Bank
One truck, one driver, and a factor taking a cut of every load — banks call that risk. We see consistent deposits and a CDL holder running 11,000 miles a month. Sound familiar?
Fresh Authority, $15K Before First Load
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.
Transmission Slipping at 400K Miles
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 Eats 4% of Every Load
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.
DOT Flagged $11K Before Thursday's Load
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.
Lease Buyout Decision in 10 Days
You want to buy your truck from the lease company — the buyout is $42K and they want a decision in 10 days. You're paying $2,800/month to lease, and owning the truck ends that, but your bank won't touch a 2018 Peterbilt with 600K miles.
Second Lane, Second Truck
You're turning down a second dedicated lane because running it means a second truck and a trailer — roughly $90K in equipment — and you don't want to lease another unit at the terms you're paying now.
What an operator said
“Was paying $3,200/month in factoring fees. Basecamp matched me with a $100K line of credit, and now I keep 100% of my freight.”
Darnell W. · Owner-Operator · Nashville, TN
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 Owner-Operators
A Line That Replaces Per-Load Factoring
A per-load fee quietly bleeds your margin — over a year it adds up to tens of thousands. With consistent revenue, a revolving line lets you draw against deliveries and repay on settlement, keeping the cut a factor would take.
Fresh Authority, Funded on Revenue
Banks want two years of history; you've been running eight months. Our lenders underwrite on your deposits and load consistency, so a new MC number isn't an automatic no.
One Truck, One Breakdown — Bridged
Your whole income rides on one rig, so a $14K transmission can't wait six weeks for a bank. We fund emergency repairs fast and can pay the shop directly, so you're back under load.
Own the Truck Instead of Leasing
Leasing drains $2,800 a month and you never own the asset. Financing the buyout or a replacement tractor turns that payment into equity, with the truck as collateral.
Match Your Situation
The Cash-Flow Gaps We Fund for Owner-Operators
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 | |
|---|---|---|---|---|
| Unexpected breakdown | Turbo failure 800 miles from home — a $6K repair or you're stuck roadside. | Working Capital | $75K–$150K | 1–3 days |
| Insurance premium renewal | Annual premium jumped to $18K, due in full to keep your authority active. | Working Capital | $75K–$200K | 1–3 days |
| Tire replacement cycle | 18 tires at $500 each — a $9K hit every six months. | Working Capital | $75K–$150K | 1–3 days |
| Authority startup costs | MC number, insurance, permits, and drug consortium — $15K before the first load. | Working Capital | $75K–$200K | 1–3 days |
| Trailer purchase | Your own dry van or reefer to stop paying $800/week on a lease. | Equipment Financing | $75K–$300K | 3–5 days |
The Products
How Owner-Operator Financing Is Structured
Most owner-operator files fund between $75K and $5M+, structured to the repair, authority startup, or line replacing your factoring. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Working Capital | $75K–$5M+ | 6mo–10yr | Repairs, insurance deposits, DOT compliance | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–10yr | Truck purchase, transmission, lease buyout | 3–7 days | Equipment serves as collateral |
| Invoice Factoring | $75K–$5M+ | Per invoice | Net-45 broker receivables | 1–2 days | Invoices secure the line, no PG typically |
| Business LOC | $75K–$5M+ | Revolving | Replace per-load factoring, draw on loads | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on a Single-Truck Rig — 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 day-cab rig and write off the full price in year one. The first-year deduction beats the cash you put down, and the truck's under load 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 owner-operator 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
Owner-Operator Trucking Financing
More of Every Load Stays Yours
You left the mega-carrier to run your own authority, and now a factor takes a cut of every load while you cover fuel, insurance, and maintenance on one truck's revenue. A revolving line can replace per-load factoring once you have a few months of consistent freight — you draw against loads and repay on settlement, keeping the margin the factor used to take. We underwrite on your deposits and load consistency, not just how long your MC has been active.
One Application, 70+ Lenders
A transmission slipping at 400K miles, $15K in authority-startup costs, or a lease buyout that finally lets you own the truck — these can't wait six weeks for a bank. We connect you with 70+ lenders who fund owner-operators 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
Owner-Operator Financing — Questions, Answered
Monthly revenue, time in business, and cash flow stability are the primary drivers. Your credit score is one factor in the evaluation — not the only factor. Many of our lending partners use revenue-first underwriting, meaning strong business performance can offset a less-than-perfect credit profile.
If you have 6+ months of operating history and consistent monthly revenue, you likely qualify for a line of credit. Replacing per-load factoring with a revolving line keeps the cut the factor was taking on every load.
Yes, with conditions. Equipment financing is available with a down payment since the truck is collateral. Working capital requires 6+ months of deposits. For brand-new authority with zero history, equipment financing with 15-20% down is the primary path — combined with strong personal credit and a clear plan for first-quarter loads.
No. Soft credit pull only — zero FICO impact.
With a few months of consistent freight, a revolving line can replace per-load factoring — you draw against loads and repay on settlement, keeping the margin the factor was taking. A soft-pull review shows where you stand with no FICO impact.
Recommended Funding
The Products That Fit Owner-Operator Work
Equipment Financing →
Finance your truck purchase, transmission rebuild, or engine replacement — the rig is the collateral.
Invoice Factoring →
Stop waiting 45 days for broker payments — convert outstanding freight bills into immediate cash.
Working Capital Loans →
Fund insurance deposits, DOT inspections, and emergency repairs without draining reserves.
Business Line of Credit →
Replace expensive per-load factoring with a revolving credit line.