Trust Is the Actual Problem.
Access to factoring isn’t the hard part for most owner-operators. The hard part is knowing whether the company on the other end of that contract is actually going to treat you fairly.
That’s the gap we built Haul Factor to close.
See If I Qualify →
Trucker Focused
Built around protecting owner-operators from bad factoring terms.
We Read the Fine Print
Contracts, fees and reserve timelines get checked before referrals.
Free to Use
There’s no cost to truckers for using Haul Factor.
One Direct Referral
No shortlist. One screened lender suited to your situation.
The Sales Pitch Isn’t Where the Problems Show Up.
We’ve seen how this plays out. A driver gets a good rate quoted upfront, signs quickly because cash flow is tight, and months later discovers that reserve releases take longer than expected or that leaving the contract costs more than staying.
None of that shows up in the sales pitch. It shows up in the fine print.
So instead of building another site that simply promises to connect you with a lender, we do the unglamorous work first.
We Screen Before We Refer.
- Read factoring contracts line by line
- Review complete fee structures
- Verify reserve release timelines
- Confirm how credit decisions are made
Simple Standards. No Marketing Spin.
The principles behind every lender we allow into the Haul Factor network.
Transparency
Clear fees, clear timelines and clear contract terms before you sign.
Accountability
If a lender doesn’t meet our standards, they don’t get referrals.
Protection
We look for the clauses and fees that can cause problems later.
Simplicity
One screened referral instead of a list of lenders to sort through.
We’ll Keep Screening. You Keep Hauling.
The standard is simple: either a factoring company holds up under our screening process or they don’t get put in front of you.
Start With a Lender That’s Already Been Screened.
Complete the Factor Screen and we’ll connect you with one lender from our screened network.