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HOW WE SCREEN LENDERS

Not Every Factoring Company Makes the Cut.

We don’t refer you to whoever pays us the most. Every factoring company in our network has to pass our screening process first.

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OUR STANDARD

If It’s Not Clear in Writing, It Doesn’t Pass.

✓ Complete fee structure
✓ Contract terms
✓ Reserve release timeline
✓ Credit basis
THE SCREENING PROCESS

We Check the Stuff That Causes Problems Later.

The rate a factoring company advertises is only part of the story. We look deeper – into fees, contracts, reserve timelines, and how the lender actually evaluates your business.

01
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Fee Structure

A low advertised factoring rate doesn’t mean much if the contract is packed with extra charges.

We check:

  • Factoring rates
  • ACH and wire fees
  • Invoice processing fees
  • Minimum volume fees
  • Termination fees
  • Other hidden charges
Why it matters: Small recurring fees can turn an attractive rate into an expensive agreement.
02
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Contract Terms

The problems that are hardest to escape are usually buried inside the agreement you signed.

We check:

  • Contract length
  • Auto-renewal clauses
  • Termination requirements
  • Notice periods
  • Personal guarantees
  • Problematic contract clauses
Why it matters: Good terms should still look good after you read the contract.
03
◷

Reserve Release Timing

Your reserve is still your money. You should know exactly when you’ll get it back.

We check:

  • Standard reserve percentage
  • Normal release schedule
  • Release after invoice payment
  • End-of-contract release timing
  • Whether timelines are provided in writing
  • Consistency of the process
Our rule: If they can’t give us a clear reserve release timeline in writing, they don’t pass.
04
✓

Credit Basis

Freight factoring should primarily depend on the creditworthiness of the customers paying your invoices.

We check:

  • How underwriting decisions are made
  • Customer credit requirements
  • Personal credit requirements
  • Unnecessary hard credit pulls
  • Guarantee requirements
  • Underwriting transparency
Why it matters: Your customer’s ability to pay is what makes the invoice valuable.
PASS OR FAIL

Passing Our Screen Isn’t Complicated.

We’re not looking for perfection. We’re looking for transparency, fair terms, and clear answers that can be backed up in writing.

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✓

Clear fees
No surprises hiding behind the advertised rate.

✓

Fair contracts
Terms that don’t trap carriers unnecessarily.

✓

Written timelines
Reserve releases clearly documented.

✓

Transparent underwriting
Clear explanation of how approvals work.

START WITH THE FILTER

Let Us Screen the Factoring Companies First.

Complete the Factor Screen and get connected with one lender that has already passed our process.

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