Factoring Services
Freight Factoring for Carriers & Fleets
Turn delivered loads into cash within 24 hours. Freight Girlz explains your options and helps you understand what to look for so you can cover fuel, repairs, insurance, and payroll without waiting on broker payments.
A fast advance on your delivered-load invoices
Sell your invoice and receive ~80–90% in as little as 24 hours. When the broker pays, you get the remainder minus a small fee. It’s not a loan—no new debt, just accelerated cash flow.
Benefits
- Fast Cash Flow: Get paid quickly to keep rolling.
- Collections Off Your Plate: Factor handles broker follow-ups.
- Credit Checked on the Broker: Not on you.
- Smoother Operations: Fuel, tolls, repairs, and driver pay on time.
Why Carriers Choose Freight Girlz
- Clear Guidance: We’ll explain recourse vs. non-recourse and common fee structures.
- Real-world Perspective: Built by an asset-based dispatcher—no fluff, just what matters.
- Trusted Reputation: We focus on transparency and long-term relationships.
Simple steps to steady cash flow
- 1) Prepare Docs: MC/US DOT, W-9, COI, and recent BOL/POD + rate confirmations.
- 2) Broker Check: Your brokers’ credit & terms are reviewed.
- 3) Advance: Submit the load docs—get ~80–90% in ~24h.
- 4) Remainder: After broker payment, you receive the balance minus fees.
| Feature | Recourse | Non-recourse |
|---|---|---|
| Typical Fee | Lower | Higher |
| If Broker Doesn’t Pay | You buy back / replace | Factor absorbs (credit-risk cases) |
| Advance Rate | Often higher | Often lower |
| Best For | Strong broker mix, cost control | Risk-averse carriers |
What you’ll need
- Active MC & US DOT (in good standing)
- W-9 and Certificate of Insurance (COI)
- Voided check / business bank info
- Recent rate confirmations, PODs / BOLs
- Notice of Assignment (post-setup)
Tip: Verify your authority before applying: FMCSA Portal.
Freight Factoring — Common Questions
Is factoring a loan?
No. You’re selling an invoice at a discount. You get an advance now; when the broker pays, you receive the remainder minus fees.
How fast do I get paid?
Many providers fund within ~24 hours after you submit completed load documents (rate con, POD, BOL).
Will they check my credit?
Primary emphasis is on the broker’s credit. Your business standing matters for onboarding, but broker risk drives approvals.
Recourse vs. non-recourse—what’s the catch?
Non-recourse typically covers credit-related non-payment only (not disputes or paperwork issues). Always read the terms.
Can I use factoring with a fuel card?
Yes—many programs include fuel cards, quick pay tools, and portals. Choose what fits your operation.
Keep Rolling Without the Payment Delay
New authority or seasoned fleet—steady cash flow is everything. We’ll help you understand factoring options so you can choose confidently and stay moving.