Freight Factoring With No Monthly Minimums

Factor one load or a hundred — the choice is always yours. We are one of the few freight factoring providers with no minimum monthly volume for carriers. No minimums, no volume penalties. Built for owner-operators and small fleets.

No Monthly Minimum

No Volume Requirements

No Credit Check on You

Factor Only When You Want

Most Factoring Companies vs. No Minimum Factoring

Typical Factoring Companies
The fine print they hope you miss
  • Monthly minimum volume required
  • Penalty fees for slow months
  • Must factor ALL your invoices
AutoFreightFactoring
How it should work
  • NO monthly minimum, ever
  • No penalty for slow months
  • Factor only the loads you choose

Why Monthly Minimums Hurt Small Carriers

A monthly minimum means you owe your factoring company money even in a slow month. For an owner-operator or small fleet with uneven load volume, that fine print can quietly eat your margin. Here is what no minimums actually gets you:

✅ With No Minimums:

  • • Factor one invoice or fifty — same rate
  • • Keep more cash in a slow season
  • • Use factoring as a tool, not an obligation
  • • No surprise penalty on your statement
  • • Freedom to grow at your own pace

📋 All We Need:

  • • Active MC/DOT authority
  • • A completed delivery
  • • A creditworthy broker or shipper
  • • A valid invoice & BOL
  • • That's it — factor whenever you want

How No-Minimum Factoring Works

1

Sign Up Once

Get approved in minutes. There are no monthly minimums.

2

Factor Only the Loads You Choose

Submit the invoices you want funded and keep the rest. You are never required to factor every load or hit a monthly quota.

3

Get Paid Same Day

We advance 100% on approved invoices, same-day or next business day — no waiting 30 to 90 days on brokers.

4

Pause Anytime, No Penalty

Slow week? Take time off? Factor nothing at all. There is never a fee for a low or zero-volume month.

Common Questions About No-Minimum Factoring

Do you have a monthly minimum for freight factoring?

No. We have no monthly minimums and no volume requirements. You can factor a single load, factor every load, or skip a month entirely — with no penalties or fees for low volume.

What happens if I only factor one invoice a month?

Nothing changes. Whether you factor one invoice or fifty, you pay the same transparent rate per invoice. There are no minimum-volume fees and no penalties for factoring only when you need cash.

Are there penalties for not meeting a volume requirement?

No. Many factoring companies charge a monthly minimum fee if you do not factor enough invoices. We never do. You are never penalized for factoring less in a slow month.

Factoring on Your Terms — Never a Minimum

Join the owner-operators and small fleets who factor freely, with no minimums. Apply now and factor only when it makes sense for you.

Or call us at (619) 877-6746