Factoring for owner-operators
Get paid on today’s load and cover fuel, tolls and repairs without waiting 30 days or more. You run the truck; we handle billing and collections.
- Choose which loads to factor
- Fuel advances 7 days a week
- No contracts
- Invoice and BOL sent
- Load verified
- Funded to your account
Money for the whole trip
Factoring pays you when the load is done. Fuel advances and fuel cards cover you while it’s rolling.
Fuel advance at pickup
Up to 40% of the invoice, on your FFS fuel card or an EFS Money Code, 24/7.
Fuel advancesDiscounts at the pump
Free FFS fuel cards on the EFS network: $0.08–$0.40 per gallon off at 14,000+ locations.
Fuel cardsPaid when you deliver
Send the invoice and BOL. Rush funds within 60 minutes; standard is ready to fund the same day.
Less office, more driving
One truck means you’re also the billing department. We take that job.
We bill and collect
We invoice the broker and chase the payment. You don’t make collection calls from the cab.
A person, not a ticket queue
Call nearly around the clock, nights and weekends included, and talk to someone who can help.
FFS has helped improve my cash flow and solved my invoice and receivables nightmare!
Owner-operator questions
Don’t see yours? Call (813) 773-4002 and talk to a real person.
All questionsDo I have to factor every load?
No. You choose which invoices to factor, and there are no minimums or contracts.
Can I get fuel money before the load pays?
Yes. Send the rate confirmation and pickup BOL and we fund up to 40% of the invoice to your FFS fuel card or an EFS Money Code, within 60 minutes of verification.
Can I reach someone at night or on a weekend?
Yes. A real person answers the phone nearly around the clock, including nights and weekends.
What does it cost?
New carriers pay a 2.9% flat fee and get a 97.1% advance. Rush requests add a flat $40 processing fee.
Get paid on your next load
Talk to a real person. We answer the phone, nearly around the clock.