Love's Financial vs TBS Factoring

Neither has 5 verified reviews yet, so there are no scores to compare. Below is what each one says publicly, with a link for every line. When drivers review them, their five scores will sit side by side here.

Same ownerLove’s Financial says it acquired TBS Factoring Service, Saint John Capital and Financial Carrier Services. The deal closed Dec 19, 2025. source Each keeps its own page and its own reviews. Check how each is run today before assuming they work alike.

Love's Financial

Review Visit site

TBS Factoring

Review Visit site

Haul Factor score

Not scored yetNeeds 5 verified reviews

Verified reviews

0 verified reviews

The five scores

Pay speed–

Reserves–

Leaving–

Fees–

Phone pickup–

Pay speed–

Reserves–

Leaving–

Fees–

Phone pickup–

Haul Factor partner

Not a partner. We are not paid when a driver goes to this factor.

From the factor’s own site and public records

Based in

Love's Travel Stops & Country Stores, Oklahoma City, OK (its site says its factoring subsidiaries operate from Oklahoma City, Chicago and Charlotte) source

Oklahoma City, OK (7740 NW 85th Terrace) source

In business

Not stated on the pages we read

Says "over 50 years" of freight factoring experience source

Ownership

Says it acquired TBS Factoring Service, Saint John Capital and Financial Carrier Services; deal closed Dec 19, 2025 source

Love's Financial says it acquired TBS Factoring Service (deal closed Dec 19, 2025) source

What it offers

Freight factoring, recourse and non-recourse, with a fuel card source
Says it pays "up to 99% in as little as 60-minutes" source

Recourse and non-recourse freight factoring, fuel advances, fuel cards, and the "TBS: Get Paid" app source
Says same-day processing source

Price and terms it publishes

Says there is no minimum or maximum invoice amount, and a flat factoring fee with full advance source
Says recourse factoring suits drivers "Comfortable with a small reserve", and lists "same day, 3-hour, and 60-minute funding options". No rate or reserve percentage is on the page source

Says "No reserve account" and "No sign-up fees" source
Says "No volume requirement" and "Pricing can vary by volume and debtor quality". No rate is on the page source

Leaving

Contract length and exit terms are not stated on the pages we read

Ask each one before you sign

How many hours from invoice to money, on a normal Tuesday?
What do you hold back, and when do I get it back?
What does it take to leave: notice, fees, a last invoice? Can I see that in writing?
Is there any fee that isn’t in the quote?
When I call, who picks up?

Facts are what each company’s own pages and public records say, read Oct 30, 2026. We report them; we don’t check or rate them, and none of it counts toward a score. Order is alphabetical, never a ranking. Some factors pay us a referral fee when a driver signs with them. You pay nothing extra, and it never changes a score or ranking. How we make money →

Used one of these?Your review is what fills in the top of this page. Review Love's Financial · Review TBS Factoring

Change factors · Also: Saint John Capital vs TBS Factoring