Towing & Recovery financing
Heavy iron up front; motor clubs settle on net terms.
A medium-duty wrecker runs six figures and a rotator far more — financed like the heavy equipment it is — while motor clubs, municipalities, and insurers pay on net-30 to net-60 after the tow.
The financing reality
Your money moves on a cycle. So should your capital.
A medium-duty wrecker financed over 6 years runs roughly $2,700–$4,000/month.
A typical situation, not a quote.
What usually fits
Top financing for towing & recovery.
Three products that match this industry's cash-flow pattern — with the honest reason for each.
Equipment Financing
Wreckers, rotators, and carriers with the truck as collateral.
- Approval range
- $50K – $5M
Invoice Factoring
Turn motor-club and municipal invoices into same-week cash.
- Advance
- 80% – 95%
Business Line of Credit
Cover fuel, insurance, and payroll between settlements.
- Approval range
- $10K – $2M
Automotive
Related industries
Towing & Recovery financing
Capital that fits how you actually get paid.
Tell us about your business once. One advisor maps your cash-flow cycle to the right partners — and shows the true cost of every option.