Transportation
Bridge the gap between delivery and payment. Cover fuel costs, maintain equipment, and grow your fleet, without waiting 30-60 days for receivables.
Capital that understands freight cycles and moves at delivery speed.
The challenge
A truck burns $800-$1,200 in fuel per trip. The driver earns $1,500-$2,500 per week. The truck payment is $2,000/month. Insurance runs $1,500/month per unit. Every mile costs money in real-time. The shipper pays in 30-60 days.
A 15-truck fleet running 60 loads per month generates $300K-$500K in revenue. Fuel costs $50K/month. Driver payroll runs $120K/month. Equipment payments total $30K/month. Insurance is $22K/month. Operating costs exceed $220K per month, all paid before the first receivable clears. At Net 45 terms, $450K-$750K in earned revenue sits in outstanding invoices at any given time.
Brokers add another layer. Loads booked through freight brokers carry 30-45 day payment terms after delivery confirmation. Detention charges and accessorial fees face dispute cycles that delay payment further. Rate confirmation paperwork errors create processing delays that push payment past 60 days.
Fleet expansion magnifies every number. Adding five trucks adds $10K/month in equipment payments, $25K/month in insurance, $40K/month in driver payroll, and $15K/month in fuel, all before the first load generates a receivable.
Your Costs Are Per-Mile and Per-Day
Your Revenue Comes Later
The result
You're delivering loads today but getting paid next month. Fuel can't wait 30 days. Drivers expect weekly paychecks. Growth opportunities pass you by because you can't cover the upfront costs to scale. You're profitable per load but cash-flow constrained in reality.
Sound familiar?
You're running 15 trucks, spending $40K weekly on fuel, but shippers pay Net 30-45. You're constantly covering fuel costs while waiting for receivables.
A Fortune 500 shipper wants to give you regular business, but you need to add 10 trucks immediately. Equipment down payments and operating capital required now.
You're hauling for multiple brokers, each with different payment terms (30-60 days). Cash flow is unpredictable and strained.
A truck needs $15K in repairs immediately. It's sitting idle, not generating revenue, and you need it back on the road.
Q4 peak season requires adding seasonal capacity, extra trucks, additional drivers, increased fuel costs, but customer payment timing doesn't change.
Your drivers expect weekly settlement, but your customers pay in 30-60 days. You're constantly stressed about driver pay while waiting for receivables.
The toolkit
Different transportation challenges require different financing tools. Here's what works best for the situations carriers face:
In practice
Regional Carrier
Owner-Operator
Refrigerated Carrier
Flatbed Carrier
Tell us a little about your fleet and shipper payment terms and we'll come back with real numbers: advance rate, fee, and timeline.
Same-day preliminary answer
The difference
Fuel represents 25-35% of operating costs and must be paid immediately. Traditional 30-60 day payment terms don't work. You need same-day or next-day funding to keep trucks moving and maintain cash flow.
Drivers expect weekly settlements. You can't tell drivers to wait 30 days for shipper payment. Transportation factoring provides immediate cash to maintain consistent driver pay and retention.
Working with brokers introduces credit risk. Broker bankruptcies happen. Non-recourse factoring with credit checks protects you from broker payment failure, eliminating bad debt risk.
Q4 peak shipping season, produce seasons, retail cycles, transportation volume isn't constant. Factoring scales with actual volume. Factor 100 loads or 1,000 loads per month. Capital matches your needs.
Trucks are expensive, require constant maintenance, and depreciate quickly. Equipment financing preserves working capital. Factoring provides operational cash flow. Combined, they let you grow fleet without depleting cash reserves.
Who we serve
Dry van, refrigerated, flatbed TL carriers. Multi-truck fleets, regional or OTR, working with shippers and brokers.
Typical needs Transportation factoring, equipment financing, fuel advance programs
Regional LTL carriers, multi-stop routes, higher invoice volumes. Terminal operations, complex billing.
Typical needs High-volume factoring, ABL facilities for larger operations, equipment financing
Independent drivers with 1-3 trucks. Working with brokers, load boards, direct shippers. Limited capital reserves.
Typical needs Quick-pay factoring, fuel advance programs, lease purchase support
Heavy haul, oversized loads, auto transport, car hauling, specialized equipment. Higher revenue per load, longer payment terms.
Typical needs Factoring with higher advance rates, specialized equipment financing
Port drayage, final mile delivery, local pickup and delivery. High volume, shorter hauls, frequent billing.
Typical needs High-frequency factoring, working capital facilities, equipment financing
Non-asset based brokers and 3PLs. Managing carrier relationships, customer credit risk.
Typical needs AR financing, credit protection, working capital facilities
Getting started
Share your situation, fleet size, customer base, volume, challenges. We explain which financing solutions fit your needs and provide estimated terms.
Basic information: MC number, operating authority, recent freight bills, customer list, equipment list. We review and provide a proposal within 24 hours.
Review and approve final terms. Sign agreements electronically. Set up online portal for submitting freight bills and accessing funding.
Start factoring loads immediately. Upload freight bills via portal, receive funding within 24 hours.
Dedicated account team. Online portal for load submission. Direct phone support. Regular reviews to adjust terms as your business grows.
Common questions
We work with truckload carriers, LTL carriers, owner-operators, specialized carriers, drayage operations, and freight brokers. If you have freight bills and receivables, we can help.
Same-day or next-day funding. Once your account is established, upload your freight bill (POD and rate confirmation) through our portal, and receive funding within 24 hours, often same day.
Yes. We can provide non-recourse factoring where we check credit on your customers. If an approved account doesn't pay, we take the loss, not you. This protects you from broker failure and bad debt.
Typically 90-95% advance on approved accounts. You receive the advance within 24 hours, then receive the reserve (minus factoring fee) when your customer pays.
Yes. We offer fuel advance programs integrated with factoring. You get immediate funding to cover fuel costs for active loads, with settlement after delivery and factoring.
We work with new owner-operators and start-ups. As long as you have your MC number, operating authority, and insurance, we can set up factoring. We understand you're building your business.
For freight bill factoring, yes, they receive a notice of assignment and make payment to an account in your name at our lockbox. This is standard practice in transportation, and most shippers and brokers are accustomed to it.
Most factoring agreements require you to factor all loads (all-in factoring). This is because the facility is structured around your total receivables. we can discuss specific situations.
MC number, DOT number, operating authority, insurance certificate, recent freight bills, customer list, and equipment list. We'll verify your operating authority and insurance, then set up your account.
Instead of waiting 30-60 days for shipper payment, you get 90-95% of the load value within 24 hours. This eliminates cash flow stress, covers fuel and expenses immediately, and lets you focus on moving freight instead of chasing receivables.
Get a transportation factoring quote in 24 hours.
One working-capital decision every other week. Which asset to borrow against, what a facility costs all-in, or how to make payroll before your customer pays, in a two-minute read.
Bi-weekly. 26 issues a year.