Freight Factoring for Owner-Operators & Fleets
Stop waiting 30 to 90 days for payment. Get non-recourse freight factoring with up to 98% advance
Trucking Factoring
Freight Factoring for Owner-Operators & Fleets: Get Same-Day Cash Flow
Running a trucking business means keeping your wheels moving. But waiting 30, 60, or even 90 days for brokers and shippers to pay your invoices can stall your operations.
Our trucking factoring team help solve your cash flow restrictions with reliable freight factoring services tailored for both independent owner-operators and growing trucking fleets. We buy your unpaid invoices and advance you the cash on the same day, giving you the working capital you need to cover fuel, maintenance, and insurance without taking on new debt.
Click for a free factoring quote today!
Why Choose Our Freight Factoring Services?
We don’t just buy your invoices; we partner with you to handle the heavy lifting in the back office so you can focus on the road ahead.
Up to 95%–98% High Advance Rates
Why wait for your hard-earned money? We offer some of the highest advance rates in the industry, putting 95% to 98% of your invoice value directly into your bank account or onto your fuel card within 24 hours.
True Non-Recourse Factoring
Protect your trucking business from bad debt. With our non-recourse factoring program, we assume the credit risk. If a credit-approved broker or shipper goes bankrupt or fails to pay the invoice, your business isn't forced to buy it back. Drive with peace of mind knowing your revenue is secure.
Free Credit Reports & Broker Checks
Haul with confidence before you ever hook up to a trailer. Gain 24/7 access to our comprehensive digital broker credit database. Run free credit checks on shippers and brokers to avoid slow-paying clients and fraudulent double-brokering schemes.
Free Billing & Collection Services
Stop chasing paperwork and cold-calling brokers for payment. Our dedicated back-office team manages all invoice creation, billing, and collections at no added cost. We take care of the administrative hassle so you can maximize your time behind the wheel.
Premium Fuel Program for Carriers
Fuel is your single biggest operating expense. Our carrier partners get access to an exclusive trucking fuel card program that delivers deep discounts at thousands of major truck stops nationwide. Take advantage of fuel advances and direct deposits onto your card to keep your tanks full.
Tailored Solutions for Your Trucking Operation
For Owner-Operators
As an independent operator, you don’t have room for hidden fees or lengthy payment delays. Our owner-operator factoring features flexible terms, no hidden costs, and simple paperless setups to get you funded quickly.
For Fleet Owners
Managing multiple trucks requires serious financial liquidity. Our fleet programs offer high-volume volume discounts, automated back-office accounting, and fast scalable funding to support your growth.
How Our 3-Step Factoring Process Works
Deliver the Cargo
Complete your dispatched haul and get your Bill of Lading (BOL) signed.
Submit Paperwork
Upload your BOL and Rate Confirmation to our secure 24/7 online carrier portal.
Receive Cash
We process the invoice, sending up to 95%–98% of the cash straight to your bank account via ACH/wire.
Frequently Asked Questions (FAQs)
What is the difference between recourse and non-recourse freight factoring?
In recourse factoring, you must buy back the invoice if your broker fails to pay. With our non-recourse factoring, we absorb the credit loss if a credit-approved broker faces financial insolvency, safeguarding your business from bad debt.
How fast can my trucking company get funded?
Once you submit your completed rate confirmation and BOL, we typically approve and fund your invoices within the same business day.
Are there hidden fees for billing and credit checks?
No. Credit reports, invoice generation, and collection services are 100% free for our factoring clients.
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Keep Your Fleet Moving with Instant Capital
Don't let cash flow gaps stall your trucks. Partner with a financial team that understands the trucking industry.
Get started today! Set up your account in as little as 24 hours!