How factoring works with us

You deliver the load. We pay you now instead of making you wait 30, 45, or 60 days for the broker.

1

Apply and get approved

Fill out our short application. Once approved, we set up your account and sign a simple agreement.

2

Submit your invoice

After delivery, email or upload the invoice, rate confirmation, and signed proof of delivery. We’ll send our funding details with your Notice of Assignment.

3

Receive 98%

We verify the load and send 98% of the invoice to your bank by wire or ACH. No transfer fee. Funding cutoff: invoices received by 2PM PT are paid the same business day.

4

We collect, you move on

The broker pays us directly. Our 2% fee has already been accounted for, so there is nothing more to settle.

What it costs

A single flat fee. Here’s a $5,000 invoice.

  • 2% flat fee on each invoice
  • 98% advance, with no reserve held back
  • No wire or ACH fees
  • One funding statement with every transfer
Invoice amount$5,000
Our fee (2%)− $100
Reserve held$0
Wire / ACH fee$0
You receive$4,900

What we need from you

  • A completed application
  • Your MC and USDOT numbers
  • A copy of your W-9 and certificate of insurance
  • Your broker or shipper customer list
  • A void check or bank letter for deposits
  • For each load: invoice, rate confirmation, signed proof of delivery

Who we work with

Owner-operators and small to mid-size carriers hauling freight for brokers and shippers.

New authority or established fleet, if you invoice customers on payment terms, we can probably help. Apply and we’ll let you know.

See if you qualify

Takes a few minutes. No obligation.

Apply now