Rush funding in 60 minutes. Everything else is ready to fund same day.
Freight factoring for owner-operators and small fleets. Send us your invoices, we handle billing and collections, and you get back on the road.
- No contracts
- 2.9% flat fee for new carriers
- Fuel advances 7 days a week
- Invoice and BOL sent
- Load verified
- Funded to your account
60 min
$1B+
12+ years
7 days
What brings you here today?
Pick the one that fits and we’ll show you how factoring works for your operation.
From signup to funded in four steps
Apply once. After that, you send invoices and we fund them.
- Step 1
Apply online
Tell us about your business in a short application.
- Step 2
Review your terms
Go over your custom rate with a real person on our team.
- Step 3
E-sign
Sign your agreement electronically and send any remaining paperwork.
- Step 4
Send invoices, get funded
Submit invoices and BOLs online. The money goes to your bank account.
What carriers say
FFS has helped improve my cash flow and solved my invoice and receivables nightmare!
Michael and his team are always there for us. They’ve helped us streamline our entire back office!
Get a quote on your next load
Enter the invoice amount and see your advance and flat fee before you commit to anything.
- Choose which loads to factor
- No contracts
- No minimums
Stop waiting on broker pay
Brokers can take 30 days or more to pay. Factoring pays you for the load you hauled today.
| Topic | Waiting on broker pay | Factoring with FFS |
|---|---|---|
| When you get paid | 30 days or more after delivery | Within 60 minutes on rush, ready to fund same day otherwise |
| Billing | You invoice every broker yourself | Submit invoices online and we bill the broker |
| Who chases payment | You, between loads | We handle collections |
| Fuel for the next load | Out of your own pocket | Fuel advance at pickup, 7 days a week |
Fuel when you need it
Fuel advances at pickup and free EFS fuel cards for your fleet.
Fuel advances
Need cash for fuel before the load pays? We fund a fuel advance when you pick up a load, 7 days a week.
How fuel advances workFleet fuel cards
Our fuel card program is powered by EFS. Free cards and discount programs help you manage fuel across your drivers.
Get fuel cardsHow fast will I get paid?
Rush requests fund within 60 minutes. Standard requests are processed and ready to fund the same day.
Do I have to sign a contract?
No. There are no contracts, and you choose which invoices to factor.
Are there hidden fees?
No. New carriers pay a 2.9% flat fee, rush requests add a flat $40 processing fee, and there are no minimums. Your quote shows every fee before you commit.
What do I need to get started?
Some basic information about your business. Once you’re approved and set up, you can start sending BOLs right away.
Do you factor freight brokers?
Only brokers with an existing carrier relationship with FFS. Call us to talk it through.
Get paid on your next load
Talk to a real person. We answer the phone, nearly around the clock.