Turn unpaid invoices into working capital.
Freight factoring built around clarity, fairness, and carrier control — no lock-ins, no surprises, no waiting on brokers to pay.
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Get paid on your terms, not the broker's.
Freight factoring is a financial service built specifically for trucking companies. Instead of waiting 30, 45, or even 60 days for brokers or shippers to pay, a freight factoring company purchases unpaid invoices and gets the carrier working capital fast.
For trucking companies, that means better cash flow to cover fuel, payroll, maintenance, insurance, repairs, and daily operating expenses without waiting on every broker's full payment cycle. Trucking factoring is not a loan — it's a way to turn completed work into more predictable access to cash.
Invoice factoring for trucking companies typically runs between 1% and 5% of the invoice value, depending on volume, broker credit quality, and contract structure. See our Factoring Rates & Fees page.
Better cash flow
Cover fuel, payroll, and repairs without waiting on payment cycles.
Faster working capital
Submit paperwork and get funded, without the broker's full cycle.
Predictable planning
Know what's coming in, so slow-paying brokers stop dictating your week.
Get paid faster, without the guesswork.
We understand how difficult it is to run a trucking operation without certainty around getting paid. Upload your paperwork and get paid. It's that simple.
Set up your account
Get onboarded with Smart Fleet Funding and connect your invoicing process.
Submit your paperwork
Send completed load documentation through the portal or by email.
Get funded directly
Our team verifies the load and funds your account — rates and terms disclosed before you sign, no hidden fees.
A true open contract, from day one.
Many carriers don't stay with their factoring company because they love the service — they stay because the contract makes leaving difficult. Long-term agreements, auto-renewals, hidden fees, reserve holdbacks, and costly exit requirements are more common than they should be.
Smart Fleet Funding was built differently. See the full open-contract terms →
From owner operators to larger fleets.
Smart Fleet Funding works with trucking companies across the United States and Canada. If a carrier is actively hauling freight with valid authority and insurance, our factoring company can usually support them.
Common questions about freight factoring
No. Freight factoring is used by trucking companies of many sizes, from owner operators to larger fleets.
No. It is a financial service that turns unpaid invoices into working capital more quickly.
Yes. Smart Fleet Funding operates on a true open contract with no termination fees, no notice period, and no fixed term.
Looking for freight factoring without lock-ins or surprises?
Upload your paperwork and get paid. It's that simple.
Get Started