This Is Why You're Here
Why Refrigerated / Reefers Come to Us Instead of Their Bank
Your reefer unit failed mid-haul with $60K in perishable pharmaceuticals. Roadside repair is $6K and the shipper is threatening a claim. You need the repair funded today.
You landed a dedicated reefer lane for a grocery chain — $8K/week guaranteed. But they require a second reefer trailer. A used unit is $45K and the broker starts loads in 3 weeks.
Your APU died in July. Running the main engine for cooling costs $300/day extra in fuel. A new APU is $12K installed but saves $200/day. You need it financed this week.
A produce distributor offered you a seasonal contract — 30 loads/month at $4,800 each from April through October. You need a $85K reefer trailer and $6K in pre-trip inspections and certs before the first load. Revenue will hit $144K/month but the trailer has to be road-ready in 3 weeks.
Your reefer unit's compressor seized hauling $40K in frozen seafood. Emergency roadside repair is $8,500 and the cargo has 6 hours before it's a total loss. The repair shop wants payment before they start.
APU died in July hauling pharmaceuticals. $12K repair, needed it yesterday. Basecamp wired the shop $12K by 2pm. Saved a $60K load and the client relationship.
Karen P., Reefer Carrier Owner, Fresno, CA
Refrigerated / Reefer Financing
Get Your Refrigerated / Reefer 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 Refrigerated / Reefer Businesses Choose Basecamp
Cold Chain Failures Cost Five Figures
When your reefer unit dies mid-haul, you're not just paying for repairs — you're racing to save $60K in perishable cargo. We wire repair funds same day because your load won't wait for bank approval.
20% Higher Fuel Burns Through Cash
Running a reefer unit adds $200-$300/day in fuel costs on top of your tractor. That's $6,000-$9,000/month more than dry van operators. We fund the gap between what you burn and when brokers pay.
APU Replacements Can't Wait Until Spring
A dead APU means running your main engine for cooling at $300/day extra. A $12K replacement saves $200/day. We finance it this week so you stop bleeding diesel.
Produce Season Is 6 Months of Feast, 6 of Famine
You do 60% of your revenue April through October hauling produce. Winter still has truck payments, insurance, and driver pay. A pre-approved credit line bridges the gap every year.
What You're Up Against
The Real Challenges Refrigerated / Reefers Face
Pricing Transparency
What Refrigerated / Reefer 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. No hard credit pull.
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 Refrigerated / Reefers
Finance the equipment. Keep your cash. Take the deduction. Your reefer trailer costs $39,000 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 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 runaround. No pressure.
Pick Your Offer & Get Funded
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Refrigerated / Reefer Capital Uses
What Refrigerated / Reefer 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 refrigerated / reefer 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 Refrigerated / Reefer 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 Refrigerated / Reefer 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
Refrigerated / Reefer Business Loan FAQs
Refrigerated Trucking Loans & Reefer Carrier Financing — $10K to $5M+
Your APU died mid-haul with $60K in pharmaceuticals sitting in the trailer. The shop wants $12K and your load is warming up by the minute. That's reefer trucking — everything costs more, breaks at the worst time, and the cargo doesn't wait. Your fuel bill runs 20% higher than dry van. Your trailers cost $85K instead of $40K. And if the cold chain breaks, you're eating a five-figure claim.
We fund reefer carriers who can't afford delays. $12K APU repairs wired to the shop same day. $45K second reefer trailers financed in a week when you land a grocery chain contract. $60K seasonal credit lines for carriers who do 60% of revenue hauling produce April through October and need to survive winter. And we don't take a cut of your freight to do it. One application. 60 seconds. No hard pull.
Stop Waiting on Banks. Get Your Refrigerated / Reefer Business Funded Today.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide