Freight and load factoring for owner-operators and small fleets
Stop waiting 30 days to get paid.
Same-day or next-day funding. No credit check on you. Dispatch + factoring under one roof.
- per invoice, never climbs
- Flat 3%
- per invoice, never climbs
- advance, no reserve
- 100%
- advance, no reserve
- paid out to carriers
- $750K+
- paid out to carriers
Talk to a real person
100% advance rate
No reserve held back.
No monthly minimums
Factor one load or every load.
Same-day funding
Your choice, once the broker verifies.
No credit check on you
We check your broker, not yours.
Talk to a real person
“Great Factoring company to work with. Very friendly staff.”
1
Haul your load
2
Submit the invoice
3
Get paid same day*
How it works
Get paid in 3 simple steps.
Haul your load
Pick up and deliver as usual. Nothing changes about how you work.
Submit your invoice
Send us your rate confirmation and BOL. That's it — no lengthy paperwork.
Get your cash
Same-day or next business day ACH. No more waiting 30-60 days.
Why AutoFreightFactoring?
We built our factoring service around what truckers actually need — real people, simple submission, and one team for the whole job.
A real person answers
No call centers, no ticket queues. Talk to the same team that funds your loads — and get a straight answer when you need one.
Approved fast, two docs
Send your rate confirmation and BOL — that's the whole application. New authorities are welcome.
Dispatch + factoring in one
Book loads and get funded through the same team. One partner covers both, so you spend less time chasing paperwork and more time driving.
Who it's for
Whether you're an owner-operator with one truck or a growing fleet, we make factoring simple so you can focus on driving.
New or established MC. No minimum loads required.
2-20 trucks. Consistent cash flow for fuel, repairs, and growth.
Just got your MC? We approve new carriers others won't touch.
Questions first? Call us.
Call (619) 877-6746, or leave your number and we call you back within 30 minutes during business hours.
Get started today
“Great Factoring company to work with. Very friendly staff.”
Common questions
What documents do I need?
Just your rate confirmation and signed BOL. We handle the rest. No lengthy applications or financial statements required.
How fast do I get paid?
Same-day funding is available for approved invoices submitted before 2PM EST. Standard ACH hits next business day. Wire transfers available for urgent needs.
What if I have bad credit?
No problem. We don't run credit checks on you. We check your broker's credit, not yours.
What happens if a broker doesn't pay?
We check the broker's credit before we fund the load, so most never get that far. When one does stall, we go after the broker first, including a claim on their surety bond. Our factoring is recourse, and we say so up front: if a broker never pays, the invoice comes back to you. We walk through exactly how that works on the first call.
Who will I actually talk to?
The same team that verifies your brokers and funds your loads. There is no call center and no ticket queue; the number on this page, (619) 877-6746, reaches us directly.
How is this different from other trucking factoring companies?
We advance 100% of each approved invoice with no reserve held back, and you choose same-day or next-day funding. We check your broker's credit, not yours, and dispatch and factoring are under one roof.
Ready to get paid faster?
Join truckers nationwide who stopped waiting 30 days for their money.
No credit check on you • No monthly minimums • Apply in 2 minutes