Freight factoring

Delivered the load? Get paid today, not in 45 days.

Freight factoring for trucking companies of any size. Turn rate confirmations and signed BOLs into cash in as little as 24 hours once you're set up.

Apply Now · Free Estimate my invoice

Free to applyNo credit impact to startOffered through independent funding partners

Invoice #10482

$12,000 · NET 30

Funded

In your account tomorrow

$10,800

90% of your invoice, wired on day 1

The balance follows when your customer pays, less the fee.

Tomorrow

$10,800

Day 30

$12,000, if you wait it out

DAY 1Cash wired

DAY 30Balance released

Estimate your own invoice ↓ILLUSTRATIVE EXAMPLE

The problem

One late broker can park a truck.

Brokers and shippers pay in 30 to 60 days. Fuel, insurance, truck payments and driver pay are due now. Factoring closes that gap load by load, without a loan or a lien on your equipment.

What you'll need

Four documents, nothing more.

Short factoring application
Current A/R aging (a list of unpaid invoices works)
Your top brokers and shippers
1–3 invoices with rate confirmation and signed BOL

Start your application

What you get

Built to match how you invoice.

Fast pay on delivered loads

Submit your rate con and signed BOL, and get cash wired, often the same or next business day.

Fuel advances

Many funding partners offer fuel advances at pickup or discounted fuel cards.

Broker credit checks

Check a broker's credit before you book the load, not after you've hauled it.

Collections handled

Your funding partner follows up with brokers so you can keep driving.

New authorities welcome

Newer MC numbers can qualify, because broker credit matters more than yours.

Load-by-load flexibility

Some programs let you choose which loads to factor. We'll get you into the one that fits.

A load, start to finish

Deliver Tuesday. Fuel up Wednesday.

You don't wait on the broker's payment cycle. You submit the paperwork you already have and the advance lands while the truck is still on the road.

Apply Now · Free

Step 1 · DeliverSigned BOL and rate confirmation in hand.

Step 2 · SubmitUpload both through the portal from your phone.

Step 3 · Get fundedAdvance wired, often same or next business day.

Freight factoring

See what your invoice is worth today

Two questions. No sign-up, no credit check, no phone call required.

1 Your invoice

How much is the invoice?

$1,000$100,000

When does your customer usually pay?

2 Your estimate

In your account tomorrow

…

Advance85%–95% of the invoice…

Funding partner's fee……

You keep in total…

Commercial credit funding. Approval is typically based on your customers’ credit, not a personal guarantee from you.

How and when the money reaches you

Day 1

…

The advance, wired to your business account

…

Day 45

Balance released

Whatever is left after the fee, once your customer pays

Get my real numbers · Free

Estimate only. Your funding partner sets the actual advance, fee and timeline based on your industry, your customers' credit and your file.

FAQ

Questions owners ask us

Recourse or non-recourse?

With recourse, you cover the invoice if the broker never pays. With non-recourse, the funding partner absorbs certain credit losses at a slightly higher fee. Neither covers disputes over the load itself.

Do I have to factor every load?

It depends on the program. Some allow selective factoring so you choose which invoices to submit.

How much does it cost?

Freight factoring fees typically run 2%–5% per invoice, set by the funding partner based on your brokers' credit.

Can I qualify with a brand-new MC number?

Often yes. Funding partners look primarily at the brokers and shippers who owe you.

See all questions