Cash flow kills owner-operators more reliably than any other line item. Factoring solves it — you trade a small fee (1.5%–2.5% of the invoice) for same-day cash on every load you deliver. We don't run our own factoring company; we partner with the trustworthy ones, set up your NOA on day one, and route every invoice automatically.
Factoring + Same-Day Pay is included in every driver's dispatch — no separate charge, no upcharge tier. Below is exactly what's covered.
Partners we work with: Apex Capital · OTR Capital · RTS Financial · TBS Factoring · eCapital · Triumph · Love's Financial.
A $3,000 load at 2% factoring fee = $60. You get $2,940 the same day. Without factoring, you'd wait 14–30 days for the broker to pay. The question owner-operators have to answer is: is your truck-payment + insurance + fuel cycle worth more than $60 per $3,000 load?
For most owner-ops the answer is yes — the consequence of waiting is missing a fuel card payment or a truck note, both of which cost more than $60 in penalty fees alone. We negotiate factor rates with our partners and most of our drivers land at 1.7%–2.0% on the partner sheet — better than the public rates because we're routing volume.
If you have strong cash reserves and a tolerance for 14–30 day broker pay cycles, you can skip factoring entirely. We'll route your invoices direct-to-broker and you keep the fee. About 12% of our drivers run that way.
Apply now and a US-based dispatcher will call you within the hour to walk through onboarding. No contract. No setup fee. Just better loads.