Zero Fuel Card Surcharges
No hidden load fees, card transfer costs, or per-swipe deductions when accessing your fuel cash.
We Stop Factors
From Screwing Over Truckers.
We’re not a matching service. We screen every freight factoring company for hidden fees, contract traps, and slow reserve releases – and only refer you to the one lender that actually passes.
✓ Free to use. No obligation. No impact on your credit.
THE HAUL FACTOR STANDARD
How We Audit Every Lender in Our Network
Lenders don’t buy their way onto our platform. Every factor on our bench is strictly audited and required to sign the 4-Point Fleet Shield™ covenant before they ever touch an HF fleet profile.
15-Minute Speed-to-Lead SLA
Matched lenders are required to reach out within 15 minutes. If they miss it, we auto-reassign your file.
No Surprise Auto-Renewal
Any renewal terms are disclosed in writing before you sign. No undisclosed lock-ins, and no penalty beyond outstanding invoice obligations if you exit.
Capped Wire & ACH Fees
Flat-rate, transparent bank transfer costs with zero surprise line-item fees on your reserve statements.
No Personal
Credit Check
Factoring runs on your customers’ credit, not yours.
Every Lender
Screened First
Fees, contracts, and reserve timelines checked first.
Free to Use
No cost to you, ever, to use Haul Factor.
One Direct
Referral
No shortlist, no sales runaround. Just one screened lender.
One Rule. No Exceptions.
If a factoring company can’t tell us – in writing – exactly how many days it takes to release your reserve, we cut them from our network.
No “trust us.” No runaround. Just the facts, in writing. See everything we check →
HOW WE SCREEN LENDERS
What We Actually Check
We dig into the details so you don’t have to.
Fee Structure
- Factoring rates
- Hidden fees
- ACH & wire fees
- Termination fees
Contract Terms
- Lock-in periods
- Auto-renewal clauses
- Termination terms
- Problematic clauses
Reserve Timing
- Release timelines
- Reserve schedules
- Consistency in practice
- End-of-term release
Credit Basis
- Customer credit basis
- No personal credit pull
- No unnecessary guarantees
- Transparent underwriting
HOW IT WORKS
How the Factor Screen Works
Simple process. No shortlist. No sales runaround.
01
See If You Qualify
Tell us about your authority, your invoices, and what you’re looking for.
02
We Connect You With One Screened Lender
Every lender in our network has already passed our fee, contract, and reserve-release screening.
03
Talk Directly With a Funding Specialist
You’re introduced directly. No middleman negotiation and no obligation to move forward.
BUILT FOR TRUCKERS
Built for Owner-Operators at Every Stage
Whether you’re brand new, established, running a fleet, or already got burned by a factoring contract – Haul Factor helps you start with a screened lender.
See If I Qualify →
TRUSTED BY TRUCKERS
What Owner-Operators Say About Haul Factor
“
Haul Factor saved me from signing another bad contract. They actually care about truckers and it shows.
– Mike D., Owner Operator
Lenders Screened
Before You’re Referred
Truckers Helped
Across the USA
Free to Use.
Always.
FREE, ALWAYS
Read the FAQ →
Free for Owner-Operators, Always
There’s no cost to you to use Haul Factor or to be referred to a lender through us. We’re compensated by lenders in our network when a referral goes through – never by you.
FREQUENTLY ASKED QUESTIONS
Straight Answers. No Runaround.
The questions truckers usually ask before completing the Factor Screen.
What is load factoring / freight factoring?
Load factoring means selling your unpaid freight invoices to a factoring company for a percentage of their value instead of waiting 30-plus days for a broker or shipper to pay.
What’s the difference between recourse and non-recourse factoring?
With recourse factoring, you’re generally responsible if your customer doesn’t pay. With non-recourse factoring, the factoring company takes on that risk within the conditions of your agreement.
I’m a new authority carrier – can I still get factored?
Yes. Some lenders specialize in new-authority carriers. Your authority age is considered during the Factor Screen so you’re referred appropriately.
Is Haul Factor free for me?
Yes. There’s no cost to use Haul Factor or to be referred to a lender through us.