Factoring Service
Freight Factoring Referrals
🚛 Improve Cash Flow with Vetted Factoring Partners
Struggling with slow broker payments? Freight factoring can convert outstanding invoices into fast working capital so you can keep fuel in the tanks and wheels turning.
Important: Freight Girlz does not provide in-house factoring. Instead, we work closely with a select group of tried-and-tested factoring companies and can refer you to options that fit your operation — including the factoring partner used by We Got This Trucking LLC.
Referrals are optional and eligibility/terms are set by the factoring company.
💡 How Freight Factoring Works
Send the signed rate confirmation (RC), invoice, and POD electronically to the factoring partner.
Often 80%–95%, frequently within ~24 hours (sometimes same-day depending on cutoff).
When the broker pays, you receive the remaining reserve minus the agreed factoring fees.
Not a loan. Factoring is typically the sale of a receivable — not debt — and many programs focus more on broker credit than carrier credit.
Some partners offer faster funding rails and tools (example: BOLT by OTR Solutions), depending on your setup and eligibility.
✅ Key Benefits for Carriers
Same-/Next-Day Funding
Reduce cash-flow gaps and keep operations moving.
Broker Credit Screening
Many factoring partners provide broker credit insights before you haul.
No Debt Added
Factoring is generally not a loan; ask each partner about underwriting requirements.
Fuel Card Options
Some partners offer fuel cards and discounts depending on program.
Back-Office Support
Status updates, collections workflows, and document management vary by provider.
🤝 Why Work with Freight Girlz
- Referral match-making: We help point you to vetted factoring partners based on lanes, volume, and broker mix.
- No pushy sales: We explain tradeoffs so you can choose what fits.
- Real-world experience: We operate trucks (including We Got This Trucking LLC), so we understand cash-flow pressure.
🔍 Before applying, make sure your authority is active: FMCSA MC/DOT status.
Heads-up: Broker “quick pay” isn’t the same as factoring. Quick pay is broker-specific and can still be slow; factoring (through a partner) can apply across many brokers with one workflow.
📊 Rates & Terms at a Glance
| Item | Typical Range | Notes |
|---|---|---|
| Advance Rate | 80% – 95% | Depends on volume, risk, broker mix, and recourse type. |
| Funding Speed | Same-day to 24h | Cutoff times and rails (ACH, wire, push-to-card) vary by partner. |
| Recourse Type | Recourse / Non-recourse | Non-recourse often costs more and coverage rules vary — read the contract. |
| Contract & Minimums | Month-to-month to 12+ mo | Some programs require monthly minimum volume. |
| Fees | ~1% – 4%+ | Watch for ACH/wire fees, aging tiers, and add-ons. |
Terms are set by the factoring partner and depend on your lanes, volume, broker mix, and risk profile.
📦 Get Paid. Keep Rolling.
Don’t let unpaid invoices stall your operation. Tell us your equipment type, lanes, and average weekly volume — and we’ll connect you with a trusted factoring partner that fits.
Frequently Asked Questions
Does Freight Girlz factor invoices in-house?
No. Freight Girlz does not provide in-house factoring. We can refer you to vetted third-party factoring partners (including the one used by We Got This Trucking LLC), and you choose whether to proceed.
Is factoring a loan? Does it affect my credit?
Factoring is typically the sale of an invoice, not a loan. Underwriting varies by partner — ask about credit checks and any hard pulls.
What’s the difference between recourse and non-recourse?
Recourse means you may need to buy back unpaid invoices after a set period. Non-recourse shifts specific non-payment risks to the factoring company, but coverage rules vary — always read the contract.
Can I factor only some brokers?
Depends on the partner agreement. Some are “all-in,” while others allow selective factoring. Clarify before signing.
How fast can I get funded?
Many partners fund same-day if submitted before cutoff; otherwise within ~24 hours. Rails and fees vary.
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