Built for Owner-Operators Since Day One

Freight Factoring for Owner-Operators

Running your own truck is hard enough without cash flow problems. Get paid in 1-2 business days for your loads with factoring designed specifically for single truck operations.

  • No minimum volume - factor one load or one hundred
  • 100% advance rate - get the full invoice amount
  • Fuel advances included - keep rolling between loads
  • No contracts - stay independent, leave anytime

Why Owner-Operators Choose Us

Low
Rate factoring
1-2 days
Fast funding
$0
Setup & hidden fees
100%
Advance rate
Trusted by owner-operators nationwide
4.9/5 from owner-operators

We Know the Challenges You Face

As an owner-operator, you wear every hat in your business. We're here to make the financial side simple so you can focus on driving.

Unpredictable Cash Flow

Brokers pay in 30-90 days, but your bills come every week.

✓ We pay you within 1-2 business days

High Operating Costs

Fuel, maintenance, insurance - expenses never stop.

✓ Fuel advances & steady cash flow included

Broker Credit Risk

One bad broker can ruin your month or worse.

✓ Free broker credit checks protect you

No Time for Paperwork

You're driving 11 hours a day, not pushing paper.

✓ Simple upload process, we handle the rest

Growth Capital Needed

Can't take good loads without upfront fuel money.

✓ Take any profitable load with our backing

Complex Contracts

Other factors lock you in with confusing terms.

✓ No contracts, simple terms, leave anytime

Simple Process Built for Your Schedule

1

Quick Application

5-minute application. No credit check. Most qualified carriers approved quickly.

2

Haul Your Load

Pick up and deliver as normal. We check broker credit for free.

3

Upload BOL

Snap a photo of your signed BOL. Upload from your phone in seconds.

4

Get Paid Fast

Money hits your account in 1-2 business days. Keep rolling to your next load.

Hear From Fellow Owner-Operators

"Started with them when I bought my first truck. The fuel advances saved me more than once when starting out. Now I'm running three trucks and still use them."

MJ
Mike Johnson
3 years with AFF

"No minimum volume was huge for me. Some weeks I run hard, others I take time off. They never hassle me about volume like other factors did."

ST
Sarah Thompson
Owner-operator since 2019

"Simple and straightforward. Upload my paperwork, get paid. Their team actually understands trucking. That matters when you need help at 2 AM."

CW
Carlos Williams
Regional flatbed driver

Everything an Owner-Operator Needs

Fast Funding

Upload your BOL during business hours, get paid the next business day. No waiting for broker payments.

Fuel Advances

Get advance funding on your load for fuel. Plus save money per gallon with our fuel card programs.

Credit Protection

We check every broker's credit for free. Know you'll get paid before you haul their freight.

No Personal Guarantees

Your business stands on its own. No personal credit checks or guarantees required.

Online Upload

Upload paperwork during business hours from your phone. Our system is available Monday-Friday.

No Contracts

Stay independent. Use us when you need to, skip when you don't. No penalties ever.

Join Owner-Operators Getting Paid Faster

Stop waiting 30-90 days for your money. Get the cash flow you need to keep your truck rolling and your business growing.

5 min
Application time
$0
Setup fees
1-2 days
To get paid

* Competitive factoring rates. Same-day funding available for approved applications submitted before 2PM EST. Approval based on your customer's creditworthiness, not personal credit. Fuel card savings vary by location and volume.

** No long-term contracts required. Cancel anytime. Some services may require minimum volume. Fuel advances subject to competitive transaction fees. All rates and terms subject to change.

Auto Freight Factoring LLC | Los Angeles, CA
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