Saint John Capital 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.

Saint John Capital

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–

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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

8725 W. Higgins Road, Suite 800, Chicago, IL 60631 source

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

In business

Site data lists a founding date of 2000 source

Says "over 50 years" of freight factoring experience source

Ownership

Love's Financial says it acquired Saint John Capital (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 with 100% advance, optional 50% fuel advance at pick-up source
Same-day wire for a small fee, or next-day ACH free 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 "No Reserves" and "No Hidden Fees" source
FAQ says to call or fill out the form "for an instant rate quote". No rate 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

FAQ: "Try our 60-day trial... without the worry of being locked into a contract." Terms after the trial are not on the page. source

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 Saint John Capital · Review TBS Factoring

Change factors · Also: Love's Financial vs TBS Factoring