Financial Services
Get Paid Faster, Save More
Freight factoring, fuel cards, and business banking — everything a carrier needs to stay cash-flow positive from day one.
Freight Factoring
Brokers pay in 30–60 days. Factoring lets you get paid the same day you deliver. You submit your invoice (bill of lading + rate confirmation), and the factoring company advances you 90–97% of the invoice value — usually within 24 hours. They collect from the broker and send you the remainder minus a small fee.
How It Works
Haul the Load
Pick up and deliver like normal.
Submit Your Invoice
Upload your BOL and rate con to the factoring portal or app.
Get Paid Same Day
Receive 90–97% of the invoice value within hours. The factoring company collects from the broker.
| Company | Advance Rate | Fee Range | Fuel Card | Min. Loads | Best For |
|---|---|---|---|---|---|
| OTR Solutions | 97% | 2–4% | Yes | None | New carriers, no minimums |
| Triumph | 97% | 1.5–5% | No | None | High volume, fuel discount program |
| RTS Financial | 96% | 2–5% | Yes | None | Free credit checks, fuel card included |
| TAFS | 97% | 1.5–4% | Yes | None | Veterans (no reserves), low fees |
| Apex Capital | 95% | 2–5% | No | None | Free load board access included |
Fuel Cards
Fuel is your biggest variable cost. A dedicated fuel card saves you $0.25–$0.42 per gallon at thousands of truck stops, automates IFTA reporting, and prevents unauthorized purchases with spending controls.
TCS Fuel Card
$0.42/gal
avg savings per gallon
- In-network stops nationwide
- IFTA reporting included
Best for: Largest discount network
WEX / EFS
$0.35/gal
avg savings per gallon
- Nationwide EFS network
- IFTA reporting included
Best for: Fleet management integrations
Comdata
$0.30/gal
avg savings per gallon
- Pilot/Flying J, Love's, TA
- IFTA reporting included
Best for: Major truck stop chains
Mud Flap
$0.25/gal
avg savings per gallon
- Independent truck stops
- No built-in IFTA
Best for: No credit check, instant signup
Business Banking
Mixing personal and business funds is the fastest way to an IRS audit. A dedicated business checking account keeps your books clean, simplifies taxes, and protects your personal assets.
| Bank | Monthly Fee | Key Features | Lending | Best For |
|---|---|---|---|---|
| Relay | Free | No minimums, expense management, multiple cards | No | Owner-operators, simple banking |
| Mercury | Free | API integrations, multi-user, Treasury | No | Tech-savvy fleets, integrations |
| Novo | Free | Invoicing, app integrations, reserves | No | Small fleets, invoicing built in |
| Bluevine | Free | Line of credit up to $250K, interest on deposits | Yes | Carriers who need a credit line |
Ready to Improve Your Cash Flow?
Answer a few questions and we'll match you with the factoring company, fuel card, and banking solution that fits your operation.
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