Freight Factoring

Freight Factoring with Integrity

Freight factoring with Integrity gives trucking companies fast, dependable access to working capital by turning unpaid freight bills into cash, typically within 24 hours. Instead of waiting weeks for freight brokers or shippers to pay, carriers can keep trucks on the road, cover fuel and repairs, and take on more loads without cash flow delays. This financial flexibility is critical for smaller trucking companies and owner-operators managing tight margins. With clear factoring terms, flat fees, and responsive service, Integrity Factoring helps you stay focused on operations, not collections or credit risk. For trucking companies, factoring freight and trucking invoices is one of the easiest way.

Trucking and Freight Factoring Provides You the Cash You Need to Stay on the Road

Whether you factor your trucking and freight invoices to pay for fuel and tires or to increase your cash flow for rapid growth, factoring remains a powerful business tool that can provide liquidity for your business operations when you need it the most. Our invoice factoring program provides an advance rate of up to 95 percent. Our flat factoring fee for trucking and freight clients allows you to always know your costs up front, with no hidden fees. All of this is coupled with the most transparent terms in the industry.

Trucking Factoring Helps You Cover Operating Costs

Running a trucking business means constantly managing expenses—fuel, maintenance, repairs, wages, and taxes. A single delayed payment can create a ripple effect, making it difficult to cover daily costs and keep trucks on the road.

With freight factoring, trucking companies can get paid within 24 hours, ensuring they have the cash flow to meet expenses without waiting 30-60 days for customers to pay. Factoring works by selling your unpaid invoices to a freight factoring provider, who advances a percentage of the invoice value upfront. This gives small trucking companies and owner-operators financial stability and flexibility.

Choosing between recourse and non-recourse factoring allows trucking businesses to manage risk. Non-recourse freight factoring protects against customer non-payment, while recourse factoring offers lower fees for companies confident in their clients’ ability to pay.

Many factoring companies also perform credit checks on brokers and shippers, helping trucking companies avoid working with unreliable customers. With transparent freight factoring rates, businesses can plan their expenses with confidence, avoiding unexpected fees.

How to Choose the Best Freight Factoring Company for Your Trucking Business

Choosing the best freight factoring company starts with understanding your business model and cash flow needs. Not all freight factoring companies operate the same way. Some specialize in smaller trucking companies, while others work only with high-volume fleets. Look for a provider that offers transparent factoring fees, reliable service, and flexible factoring contracts.

Key things to consider include:

• Advance rate (percent of the invoice paid upfront)
• Whether they offer recourse and non-recourse factoring options
• How they handle collections if a customer doesn’t pay
• Any additional fees (such as for same-day funding or ACH transfers)

It’s also worth asking whether the factoring company performs credit checks on brokers or customers. This can help you avoid working with high-risk customers and reduce your exposure to unpaid invoices.

A strong freight factoring provider should offer straightforward terms, fast funding, and industry-specific expertise. If you’re evaluating options, compare them carefully—especially if you’re working with established trucking companies or scaling a growing operation.

More Than Just Trucking & Freight Factoring

Not only is Integrity Factoring dedicated to making sure you are paid quickly for the loads you haul, we are also dedicated to providing the vital compliance paperwork services that keep you legal on the road. When you enroll in Authority Express LLC’s Annual Services Program, you will have the peace of mind of knowing that all of your annual federal filings are taken care of correctly and on time. When you are an Annual Services Member, your difficult regulatory paperwork will be handled by our team of compliance experts, taking the stress out of staying legal. Our annual trucking paperwork service is just another way that Integrity Factoring frees you up to focus on your business’ growth.