100% Transparent Pricing - No Surprises

Flat 3% Rate Factoring

No hidden fees. No fine print. No surprises. Just simple, honest freight factoring that helps you grow your trucking business.

Flat 3% Rate

One rate for all carriers — it never climbs

No Hidden Fees

What you see is what you pay

No Contracts

Cancel anytime, no questions asked

Compare Our Transparent Pricing

See how our simple, flat-rate pricing compares to traditional factoring companies with their hidden fees and complex rate structures.

RECOMMENDED
AutoFreightFactoring
Simple, transparent pricing
Flat 3%
  • 100% advance on approved invoices
  • No application fees
  • No monthly minimums
  • No setup fees
  • No ACH fees
  • No credit check fees
  • Free broker credit checks
  • Same-day or next-business-day funding
Typical Factoring Company
Hidden fees add up quickly
Higher Rates + Fees
  • Lower advance rates only
  • $100-500 application fee
  • High monthly minimums
  • $300-500 setup fee
  • $15-25 per ACH transfer
  • $50-100 credit check fees
  • Long-term contracts required
  • 3-5 day funding typical

Calculate Your Savings with Transparent Pricing

Quick Funding Calculator

See your cash advance with our flat 3% rate — never climbs

You receive:
$0
Flat 3% fee (never climbs):
$0
Time to fund:
Same-day or next day
Fast funding
No hidden fees
No credit check
Free to apply
Start Your Application

No personal guarantee • Quick approval

Every Fee, Explained Simply

Factoring Rate
Flat 3%

A flat 3% on every invoice. That's it. No sliding scales, no complicated tiers, and your rate never climbs.

Application Fee
$0

Apply for free. We don't charge you to see if we're a good fit for your trucking business.

Monthly Minimum
None

Factor when you need to. Skip when you don't. No penalties, no minimum volume requirements.

ACH Transfer Fee
$0

Get your money without extra charges. We cover ACH fees so you get exactly what you're owed.

Credit Check Fee
$0

We check broker credit for free. Know who you're working with before you haul their freight.

Cancellation Fee
$0

No contracts, no cancellation fees. If we're not the right fit, you can leave anytime.

"After years of hidden fees with other factoring companies, finding AutoFreightFactoring was a breath of fresh air. The competitive rates are exactly what I pay - no surprises, no fine print. It's helped me budget better and grow my fleet."
JR
Jake Rodriguez
Owner-Operator, Rodriguez Trucking LLC

Ready for Honest, Transparent Factoring?

Join carriers nationwide who've switched to simple, flat-rate factoring. Apply in minutes, most qualified carriers approved quickly.