No Hard Credit Pull · Same-Day Funding Available

You Move the Freight. Brokers Take 45 Days to Pay You.

Fuel is COD. Insurance is monthly. Drivers need to get paid Friday. But your broker payment hits net-45. We match you with 70+ lending partners who fund trucking companies daily — without touching your freight revenue.

No hard credit pull to check your rate
Revenue-based — not just your credit score
70+ lending partners compete for your deal
Owner-operators and fleets both welcome
$10M
Max Funding
Per deal or stacked
4hrs
Fastest Funded
Same-day available
No Min
FICO Required
Revenue-based approval
70+
Lenders Compete
You pick the best offer

Broker owed us $180K in outstanding invoices. Fuel bill was due Friday. Basecamp Funding funded us $120K in 24 hours — no factoring, no giving up our margin. We kept every cent of our freight revenue.

★★★★★ — Marcus D. · OTR Fleet · 8 Trucks · Memphis, TN

No Minimum Credit Score$10K+ Monthly Deposits6+ Months OperatingNo Hard Credit PullOwner-Operators Welcome

Check Your Rate

Find Out What You Qualify For 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.

Estimated range appears instantly
Auto-advances as you answer — no extra clicks
Soft credit pull only — your FICO stays untouched
Real specialist reviews your file within the hour
No obligation — see your options and decide
Estimate
Revenue
History
Contact

See What You Could Qualify For

Slide to your average monthly bank deposits.

$10K$75K/mo$500K+

Estimated Approval Range

$75K$113K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

Your Deal Gets Shopped Across 70+ Lending Partners Including

BlueVineA Rated
KabbageA Rated
OnDeckA+ Rated
FundboxA Rated
Celtic BankA Rated
Cross RiverA Rated
Ready CapitalA Rated
SmartBizA Rated

+ additional SBA lenders, community banks, credit unions, and specialty finance companies

Why Basecamp Funding

How We Compare

Not all funding sources are created equal. Here's how we stack up against your other options.

Basecamp FundingTraditional BankFreight FactoringDealer Financing
Time to FundedSame day – 3 days60 – 90 days1 – 3 days1 – 4 weeks
CostFixed repayment — you keep 100% of freightLow APR but slow2-5% per invoice — adds up fast12-25% APR typical
Use of FundsAnything — fuel, trucks, payroll, repairsRestrictedWorking capital onlyThat truck only
Credit Pull to ApplySoft onlyHard pullVariesHard pull
Lenders Competing70+111
Gives Up Freight RevenueNo — your revenue stays yoursNoYes — 2-5% per invoiceNo
Personal GuaranteeUsually noYesSometimesYes
Works for Owner-OperatorsYesRarelyYesYes
Accounts for Freight CyclesYes — built into underwritingNoYesNo
Dedicated SpecialistYes — humanBranch bankerAccount repDealer F&I
Check What I Qualify For →

How It Works

From Application to Funded in 5 Steps

No paperwork avalanche. No bank lobby. No guessing.

📱
1

60-Second Application

Answer 4 questions. No documents needed yet.

🔒
2

Soft Credit Check

Zero impact on your FICO. Score stays untouched.

🏦
3

70+ Banks Compete

Multiple lenders see your deal. Best terms surface.

4

Pick Your Best Offer

Compare rates, terms, and amounts. You decide.

💰
5

Get Funded

Sign digitally. Funds in your account — same day available.

Use Your Capital For

9 Ways Trucking Companies Use Basecamp Funding Funding

🚛

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.

📡

Technology & ELD

ELD compliance, GPS tracking, dispatch software, dashcams. Stay compliant and efficient.

🔄

Debt Consolidation

Refinance high-cost MCAs, equipment loans, or factoring agreements into one payment.

💵

Working Capital Bridge

Cover the net-30/45/60 gap. Fund today’s expenses with tomorrow’s confirmed revenue.

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

Low personal credit score (no minimum FICO)
Owner-operator with a single truck
Seasonal or cyclical freight volume
Existing equipment loans or leases
Currently using freight factoring
No collateral beyond your trucks
Prior bank denial for financing
Independent contractor / 1099 income history

🚫 These Can Be Deal-Breakers

Less than $10,000/month in bank deposits
Less than 6 months in operation
No business checking account
Active (undischarged) bankruptcy
Negative average daily bank balance
Heavy NSF/overdraft activity on statements
Revoked MC authority or out-of-service orders
Undisclosed existing positions or defaults
Check If I Qualify \u2014 No Credit Impact \u2192

Before You Apply

What to Have Ready

Having these speeds up your approval. Don't have everything? Start anyway — we'll guide you.

3 months of bank statements

Business operating account

Business checking account

Dedicated business account (not personal)

MC number or DOT number

Active operating authority

Government-issued ID

Driver’s license or passport

Outstanding debt details

Equipment loans, MCAs, factoring agreements

Approximate monthly revenue

Doesn’t need to be exact — ballpark is fine

The Next Breakdown Shouldn’t Park Your Business

Fuel spikes. Tire blowouts. Insurance renewals. A truck that needs a $25K engine rebuild on a Tuesday. The difference between an operator who survives these hits and one who doesn’t is a pre-approved credit line ready to deploy. Check your rate while your revenue is flowing.

Check My Rate While My Numbers Are Strong →

No credit impact · No obligation · 60 seconds

Ready?

See What You Qualify For. No Credit Impact. No Obligation.

Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.

Estimated approval range appears instantly
Auto-advances — no extra buttons to click
Soft pull only — FICO untouched
70+ lenders compete for your deal
No obligation to accept any offer
Estimate
Revenue
History
Contact

See What You Could Qualify For

Slide to your average monthly bank deposits.

$10K$75K/mo$500K+

Estimated Approval Range

$75K$113K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

Financing by Operation Type

Every trucking operation. Click yours for tailored options.

FAQs

Trucking Business Loan FAQs

Your Wheels Shouldn’t Stop Turning Because a Broker Is Slow to Pay

60 seconds. No credit impact. No obligation.

See What I Qualify For →

No hard credit pull · Free to check · Nationwide

See What I Qualify For → — 60 Sec →