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 same-day or next business day for your loads with factoring designed specifically for single truck operations.

  • No minimum volume - factor one load or one hundred
  • 100% advance on approved loads - get the full invoice amount
  • Fuel advances included - keep rolling between loads

Why Owner-Operators Choose Us

Flat 3%
Rate factoring
Same/Next Day
Fast funding
$0
Setup & hidden fees
100%
Advance rate
600+ loads funded
Trusted by carriers nationwide

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 same-day or next business day

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

Brand-New Authority

Just got your MC and don't have a track record yet.

✓ New MCs welcome

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 same-day or next business day. Keep rolling to your next load.

What Carriers Say

Great Factoring company to work with

“Great Factoring company to work with. Very friendly staff.”
Caroline Hearn · Trustpilot · Sep 4, 2026

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 Credit Check on You

We don't check your personal credit. Your broker's credit is what counts.

Online Upload

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

No Monthly Minimums

Factor one load or every load.

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
Same/Next Day
To get paid