Get 100% advances with freight bill factoring designed specifically for truckers and owner-operators. While traditional shippers take 30-90 days to pay, we fund your invoices within 1-2 business days so you can cover fuel, maintenance, payroll, and other operating expenses without waiting. No hidden fees, transparent pricing, and next business day funding available for qualified carriers.
Whether you're an owner-operator just starting out or managing a growing fleet, our freight factoring service provides the steady cash flow you need to take on more loads and grow your business. Join hundreds of truckers who trust AutoFreightFactoring for reliable, affordable invoice factoring.
See your potential cash advance with competitive rates
No personal guarantee • Quick approval
See how much you can get in seconds. No commitment, no credit check.
Drop your invoice here or click to browse
PDF, JPG, or PNG • Max 10MB
No credit check required
Get up to 90% of invoice value
Funds available in 1-2 business days
We understand the unique challenges truckers face: fluctuating fuel prices, unexpected maintenance costs, and the constant pressure to keep rolling. That's why we built a freight factoring service specifically designed to solve these problems.
Unlike traditional factoring companies that treat trucking as just another industry, we specialize exclusively in transportation. Our team includes former owner-operators and fleet managers who know exactly what you need: fast funding, transparent pricing, and no bureaucratic hassles. We've eliminated the common pain points of factoring - no hidden fees, no long-term contracts, and no minimum volume requirements.
Stop waiting 30-90 days for broker payments. Our streamlined freight factoring system approves invoices in hours and transfers funds within 1-2 business days. Submit your invoice during business hours and have cash in your account the next business day. Perfect for covering immediate expenses like fuel, repairs, or payroll.
Your personal credit history doesn't affect approval. We evaluate your customer's creditworthiness, not yours, making freight factoring perfect for new owner-operators, truckers rebuilding credit, or anyone who's been turned down by banks. As long as you're hauling for reputable shippers and brokers, you're approved. We even run free credit checks on your customers to ensure you're working with reliable payers.
No surprises, hidden fees, or fine print gotchas. Our simple competitive rate structure means you always know exactly what you'll pay - with industry-leading rates based on volume. Unlike competitors who nickel-and-dime with application fees, monthly minimums, ACH fees, and termination penalties, we believe in transparent, honest pricing. What you see is what you get.
Join hundreds of truckers who've improved their cash flow
See How Much You'll SaveOur streamlined freight factoring process gets you from invoice to cash in record time. No complicated paperwork, no waiting weeks for approval, no chasing down payments.
We've automated the entire factoring process using cutting-edge technology, while maintaining the personal touch truckers appreciate. Upload your invoice from anywhere - your truck cab, a loading dock, or home office - and our system handles the rest. Most truckers complete their first factoring transaction in under 10 minutes.
Simply upload your freight invoice or BOL using our mobile app or web portal. Our advanced OCR technology automatically extracts shipment details, shipper information, and payment amounts - no manual data entry required. Works with any broker or shipper paperwork.
Our AI verifies your customer and most qualified carriers get approved quickly. No credit check on you.
Funds hit your bank account via ACH. Next business day for approved carriers.
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Ready to experience the fastest factoring in trucking?
Start Your ApplicationStart with our competitive rates. High-volume carriers and long-term partners can qualify for our best rates. No hidden fees, no surprises - just transparent pricing that rewards your growth.
Submit before 2 PM EST, get paid next business day. No waiting 30-90 days.
No application fees, no monthly minimums, no ACH fees, no termination fees.
Real truckers who understand your business, available Monday-Friday 9 AM - 6 PM EST.
Check broker credit scores before you haul. Know who you're working with.
Need fuel money? Get advances while on the road. Keep rolling.
Factor when you need to, skip when you don't. No long-term commitments.
Factor more, pay less! High-volume carriers can qualify for our best rates
* Rates based on monthly factoring volume and payment history. Contact us for your personalized quote.
See your potential cash advance with competitive rates
No personal guarantee • Quick approval
Don't let fuel costs slow you down. Get immediate cash advances for fuel before you even deliver your load.
Our fuel advance program provides fast funding to keep your trucks rolling. Whether you need cash for diesel, DEF, or other operating expenses, we've got you covered with competitive rates and no hidden fees.
Upload your rate confirmation or load details through our mobile app or portal.
We verify your load and approve your advance quickly.
Funds hit your fuel card or bank account quickly - before you even pick up the load.
Get advances up to half your load amount for fuel and expenses
Direct deposit to EFS, Comdata, or your preferred fuel card
Approval based on your load, not your credit score
Get advances anytime, even weekends and holidays
We understand the unique challenges of running your own truck. That's why we created factoring specifically for owner-operators.
No minimum volume requirements, no long-term contracts, and quick approval. Whether you're just starting out or have been on the road for years, our factoring service is designed to help independent truckers succeed.
No fleet requirements or minimum volumes. Perfect for single truck owner-operators who need flexible cash flow solutions.
Get approved quickly, not in days. No personal credit check, no financial statements, just proof you're hauling loads.
Our support team includes former owner-operators who understand your business and can help you succeed on the road.
"Started with one truck and AutoFreightFactoring. Their quick funding helped me add two more trucks in just 6 months."
Mike T.
Owner-Operator, Texas
"No credit check meant I could start factoring right away after leaving my company driver job. Best decision I made."
Sarah K.
Owner-Operator, California
"The fuel advances saved my business during my first month. Now I'm running steady and growing."
James R.
Owner-Operator, Illinois
Join hundreds of successful owner-operators
Get Started TodaySee what real owner-operators and fleet managers say about our freight factoring service
"After years of hidden fees with other factoring companies, finding AutoFreightFactoring was a breath of fresh air. The competitive rates are exactly what I pay - no surprises, no fine print."
"Started with them as an owner-operator. Now running 5 trucks and they've grown with me. The fuel advances have saved my business more than once."
"Simple and straightforward. Upload my paperwork, get paid. Their team actually understands trucking. That matters when you need help at 2 AM."
Join hundreds of truckers who've transformed their cash flow. Get approved quickly, paid fast. No credit check, no hassle.
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No setup fees • No credit card required • Cancel anytime