Towing Company Funding

Buy or repair a tow truck, cover fuel and payroll, or run your impound lot — funded in as little as 24 hours, approved on your deposits, not your credit score.

When the truck's down, so is the revenue

A towing business lives and dies by its trucks. One blown transmission on a wrecker, one hydraulic failure on the wheel-lift, and a truck that bills $150–$400 a call is sitting dead in the yard. Meanwhile the phone keeps ringing — police rotation calls, motor club dispatches, private-property tows — and you're turning them away or subbing them out to a competitor.

Then there's everything else that doesn't wait: diesel prices that swing week to week, driver payroll every Friday, commercial auto and garage-keeper's insurance renewals, impound-lot rent, and the down payment on that second flatbed you need to actually grow. Banks want two years of tax returns and a credit score you may not have. We look at what your business actually does — the deposits hitting your account from tows, storage fees, and contracts.

How it works

• Apply in minutes. Basic business info and your last few months of bank statements. No tax returns, no long forms.
• Soft pull, real answer. Checking your rate is a soft credit pull — it won't ding your score. We approve on your deposits, and FICO 500+ is fine.
• Funded fast. Once you're approved and send back signed terms, funds can hit your account in as little as 24 hours.

Real numbers & who qualifies

A towing operator running three trucks came to us when his main wrecker dropped a transmission during winter rotation season. The rebuild quote was $9,000 and the shop wanted payment up front. We funded $25,000 — enough to cover the transmission, restock fuel, and make payroll while the truck was down. He was back on the rotation list inside a week instead of losing the slot.

Funding runs from $10,000 to $5,000,000. You generally qualify if:

• You've been in business about 6 months or longer
• You do roughly $10,000+ a month in deposits
• Your FICO is 500 or above

No collateral required for working capital. We fund single owner-operators and multi-truck fleets alike — police-rotation shops, motor-club contractors, private-property and impound operators, and heavy-duty recovery outfits.

Straight answers

Can I use this to buy a used tow truck?

Yes. Working capital can go toward buying a used or new truck, a flatbed, or a wrecker — including the down payment or the full purchase — with no restrictions on how you spend it.

My credit isn't great. Does that kill it?

No. We approve based on your business bank deposits, not your credit score. FICO 500+ is workable, and checking your rate is only a soft pull.

How fast can I actually get funded?

Many towing businesses are approved same day and funded in as little as 24 hours after signing. Timing depends on how quickly you send back statements and terms.

What can I spend it on?

Anything the business needs — truck repairs, equipment, fuel, payroll, impound-lot costs, insurance premiums, or expansion. There are no spending restrictions on working capital.

Do I need collateral?

Not for working capital. Your approval is based on business performance, not on pledging your trucks or lot.

Get your truck back on the road

Whether you're covering an emergency repair, buying your next wrecker, or just smoothing out fuel and payroll, we can tell you what you qualify for fast — with a soft pull that won't touch your credit. Apply and get a real answer today.