How Freight Factoring Works
Turn your unpaid invoices into immediate cash flow. Simple, fast, and designed for truckers.
Turn your unpaid invoices into immediate cash flow. Simple, fast, and designed for truckers.
Proudly serving American trucking companies
All loads within the United States
U.S.-based customer support
Fully licensed in the U.S.A.
Invoice factoring is a financial service that converts your accounts receivable into immediate working capital
Most shippers and brokers pay invoices in 30-90 days. This creates cash flow gaps that make it hard to cover fuel, repairs, payroll, and other operational expenses.
Instead of waiting, you sell your unpaid invoices to us at a small discount. We give you cash immediately—typically within 24 hours—so you can keep your trucks rolling without cash flow interruptions.
Once we advance you the funds, we take on the responsibility of collecting payment from your customers. You focus on driving and growing your business while we handle the back office.
You deliver a load worth $5,000
Submit the invoice to us instead of waiting 30-90 days
We advance you $4,850 within 24 hours (3% fee = $150)
We collect the full $5,000 from the broker when they pay
You get:
$4,850 Today
Instead of $5,000 in 30-90 days
From setup to funding, here's exactly how it works
Contact me to get a personalized rate quote. I'll need basic information about your business and the customers/brokers you work with to provide you with the best rates.
Setup Time: 24-48 hours
We verify the creditworthiness of your customers (not yours!). We check their payment history and financial stability to ensure they're reliable payers.
Important: Your personal credit doesn't matter. We're buying your invoices, so we only care about whether your customers will pay.
Approval Time: 1-2 business days
Deliver your freight as usual. Collect the necessary paperwork proving the load was completed successfully.
Rate Confirmation
Signed agreement showing the load rate
Bill of Lading (BOL)
Shipping document with load details
Proof of Delivery (POD)
Signed confirmation of successful delivery
Upload your completed paperwork through our secure online portal or convenient mobile app. Fast, easy, and paperless.
Mobile App
Snap photos & submit on the go - available 24/7
Online Portal
Secure web platform - upload from any device
100% Digital & Secure: Bank-level encryption protects your documents and data. No fax or email required - everything is streamlined through our modern platform.
Our team reviews your documents to ensure everything is in order. We verify the load details, check for any issues, and prepare your funding.
Speed matters: Most verifications are completed within 1-2 hours during business hours.
Processing Time: 1-4 hours
Money hits your bank account via direct deposit or wire transfer. Most clients receive same-day funding when documents are submitted by noon.
24 hrs
Standard funding time
Same Day
When submitted early
Once you're funded, we take over the collection process. We professionally follow up with your customers to collect payment on the invoice. You never have to worry about chasing down payments again.
Professional & Courteous
We maintain positive relationships with your customers while ensuring timely payment. Your reputation stays intact.
While you're focused on delivering loads and keeping your trucks moving, we're working to ensure your cash flow never stops. Here's what we do for you:
We verify every load with the broker to ensure legitimacy and protect you from fraud
Get paid within 24 hours—sometimes the same day—so you can cover expenses immediately
We chase down payments from brokers so you don't have to—no more awkward phone calls
We monitor broker creditworthiness and alert you to potential payment issues
Understanding the key benefits that keep trucking businesses moving forward
Don't wait 30-90 days for payment. Get cash within 24 hours to cover fuel, repairs, payroll, and other expenses immediately.
Take on more loads without worrying about cash flow gaps. Scale your operation faster with consistent working capital.
Your personal or business credit doesn't matter. We evaluate your customers' creditworthiness, not yours.
Flexible month-to-month agreements. Stop factoring anytime without penalties or cancellation fees.
We handle invoicing, collections, and payment follow-ups. Focus on driving while we manage the paperwork.
Transparent pricing with rates typically 2-5%. No hidden fees or surprise charges—know exactly what you'll pay.
Unlike traditional loans, factoring doesn't add debt to your balance sheet. You're simply selling an asset (your invoice) for immediate cash. There's no loan to repay, no interest charges, and no monthly payments.
No Debt
✓
No Interest
✓
No Repayment
✓
Simple qualifications to begin factoring with us
Active MC/DOT Number
Valid operating authority
Proper Insurance
Current liability and cargo coverage
Business Bank Account
For receiving direct deposits
Credit-Worthy Customers
Reputable brokers or direct shippers
Complete Documentation
Rate confirmations, BOLs, and PODs
Perfect Credit Score
Your personal credit doesn't matter
Collateral or Assets
No property or equipment required
Minimum Invoice Volume
Factor as many or as few loads as you want
Standard One-Year Contract
Termination notice required per agreement
Upfront Fees
No application fees or setup charges
From initial contact to first funding, most carriers are up and running within 2-3 business days. Emergency setups can be completed in 24 hours.
Day 1
Contact & get quote
Day 2
Credit approval
Day 3
Start factoring
Contact us today to discuss your factoring needs
Call Us
(908) 809-9919Email Us
[email protected]Business Hours
Monday - Friday: 8am - 6pm CST
Emergency support available 24/7
Most quotes provided within 24 hours
Your information is always kept confidential