Get paid faster without signing a contract you'll regret.
Plain-language guides to freight factoring, fuel cards and cash flow for owner-operators, new authorities and small fleets. We read the fine print, quote each company's own terms, and tell you what to ask before you sign.
Request factoring options Compare factoring companies Compare your quotes
Compare the real cost
Rate, reserve, every fee, and the chargeback window, not just the headline percentage.
Know what you're covered for
What "non-recourse" covers in practice, and where it usually stops.
Plan your way out
Notice periods, termination fees and UCC releases, checked before you sign.
Compare offers, including the cost of leaving
Put two or three quotes side by side: flat or tiered rates, ACH and wire fees, minimums, fuel advance fees, and the termination fee and term. You'll see monthly and yearly dollars, the effective rate, an APR-style cost, cents per mile, and which offer costs least over the time you expect to stay. It's free, it runs in your browser, and there's no sign-up.
Six factoring companies, side by side
Published rates, advance, recourse, contract and termination terms, minimums, fuel cards and new-authority policies. Every cell links its source and the date we checked it, and says "Not published" when the company doesn't say.
Rather not research six factoring companies yourself?
Tell us about your authority, trucks and freight once. We'll review your request and may follow up by email with factoring options that fit what matters to you. Your details aren't shared with any company unless you agree when we follow up. Free, no obligation.
More free tools
- Cash today estimator: what lands in your account today, and what comes later, on one invoice.
- Cost-per-mile and break-even calculator: your real cost per mile and the lowest rate you can take.
- Factoring contract red-flag checklist (free printable and PDF).
Start here
Trucking Factoring Rates and Fees: What You Actually Pay (and How to Check a Quote)
A plain guide to freight factoring rates, reserves, fees, recourse and contract terms, with 10 questions to ask any factor before you sign.
Recourse vs. Non-Recourse Factoring: What Owner-Operators Are Actually Protected From
What recourse and non-recourse factoring cover, where non-recourse protection usually stops, and a checklist for reading the clause in your contract.
Factoring for a New Authority: A Plain Guide for Your First Six Months
Can you factor with a brand-new MC? Yes. Here's what factors check, which documents to have ready, the intro-rate and contract traps to watch for, and the questions to ask before your first load.
Factoring Contract Red Flags, and How to Leave a Factoring Company
The factoring contract clauses that cost owner-operators the most (auto-renewal, termination fees, minimums, exclusivity, UCC liens), and a step-by-step plan for leaving a factor cleanly.
Factoring With No Minimums and No Long-Term Contract: What Each Company Actually Says
Which trucking factoring companies say they have no monthly minimums, no annual contract or no cancellation fee, quoted from their own sites (checked Oct 2026), and the strings that can still come attached.
Broker Quick Pay vs. Factoring: Fees, Speed and the Catch for Factored Carriers
Broker quick pay vs. freight factoring for owner-operators: TQL, J.B. Hunt and C.H. Robinson quick pay fees and timing from their own sites (checked Oct 2026), why factored carriers usually can't use them, and how to compare the cost.
Factoring for Box Trucks, Sprinter Vans and Hotshots: What to Check First
Factoring for box trucks, cargo/sprinter vans and hotshot rigs: the FMCSA registration you'll need, which factors say they serve hotshots, which offers exclude box trucks and sprinter vans (checked Oct 2026), and what to ask before you sign.
How to Switch Factoring Companies Without a Cash-Flow Gap: A Week-by-Week Plan
A week-by-week plan for switching trucking factoring companies: checking your notice window, the invoice buyout, broker release letters, the UCC lien, and avoiding a gap in funding. Facts from factor and broker sites and the UCC, checked Oct 2026.
Fuel Advances and Fuel Cards From Factoring Companies: Costs, Limits and the Catch
How fuel advances and fuel cards from factoring companies work: advance limits and fees, claimed per-gallon discounts, credit requirements, and the risk of tying fuel to your factor. Facts from OTR, Porter, RTS, Apex, Triumph and C.H. Robinson sites, checked Oct 2026.
Spot vs. Contract Freight: What It Means for a New Carrier's Cash Flow
Spot vs. contract freight explained for new owner-operators: how each is priced, who carries the fuel-price risk, how long you wait to get paid, and where factoring or quick pay fits. Sources: DAT and broker sites, checked Oct 2026.
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