Straight Answers. No Runaround.

Load factoring, also called freight 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. It’s how many owner-operators smooth out cash flow between loads.

With recourse factoring, if your customer doesn’t pay the invoice, you’re responsible for paying the factoring company back. With non-recourse factoring, the factoring company takes on that risk instead, within the conditions spelled out in your agreement.

Yes. Some lenders won’t work with carriers under six months, while others specialize in new-authority carriers. Our Factor Screen accounts for your time under authority so you’re referred appropriately.

Factoring is based on your customers’ creditworthiness, not yours. We work with lenders who evaluate the business you’re invoicing rather than treating factoring like a traditional personal loan.

No. Factoring can be handled entirely online and over the phone, so there’s no meaningful advantage to choosing a company simply because it has an office nearby. Haul Factor works with owner-operators nationwide.

Yes. Fleet size and vehicle type are part of what the Factor Screen checks for, and some lenders in the network work specifically with box truck operators.

You complete our Factor Screen so we understand your situation. We connect you with one lender from our network that’s already passed our screening process. You’re introduced directly and decide whether you want to move forward.

Yes. There’s no cost to use Haul Factor or to be referred to a lender through us.

We review your answers and connect you with a lender from our screened network that fits your situation. There’s no obligation to move forward with the referral.

No. We don’t sell your information in bulk to third parties. It’s shared only with the specific lender you’re referred to. See our Privacy Policy for full details.