Get freight factoring with no personal credit check required. We approve based on your customer's creditworthiness, not yours. Perfect for truckers with bad credit, bankruptcies, or new businesses seeking cash flow solutions.
No Personal Credit Check
Bad Credit OK
New Business Welcome
Bankruptcies Accepted
Your personal credit history doesn't define your business potential. We've helped carriers nationwide get the cash flow they need, regardless of their credit situation:
Instead of checking your personal credit, we verify that your customer (broker or shipper) has good credit and will pay the invoice.
Whether you have a 400 or 800 credit score, it doesn't affect your approval. We're buying your invoice, not lending you money.
Since we don't run personal credit checks, approval is fast. Most truckers get approved within minutes of applying.
Once approved, you can start submitting invoices right away. No waiting period, no additional requirements.
Just got your authority? Banks may turn you away for lack of history. We approve brand-new owner-operators based on your broker's credit, so you can start hauling and get paid right away.
A past Chapter 7 or business failure doesn't disqualify you. We don't run your personal credit — approval is based on whether your customer pays their invoices, giving you a real second chance.
A 520 credit score doesn't matter here. We look at your customers, not you, so a low score or thin credit file won't stand between you and same-day cash flow.
Join carriers nationwide who got approved despite their credit. Apply now and get funding based on your hard work, not your past.
Or call us at (619) 877-6746