Transportation Factoring for Owner-Operators & Freight Companies
Fast invoice financing for trucking companies and owner-operators. Get funded in 24-48 hours and keep your fleet on the road without waiting for payment.
What is Transportation Factoring?
Transportation factoring (also called freight factoring) is a financing solution where Ameritex Capital purchases your outstanding invoices and advances you most of the invoice value upfront. Instead of waiting 30, 60, or even 90+ days for payment, you get funds within 24β48 hours.
This helps owner-operators, trucking companies, and logistics providers:
– Keep your fleet on the road without waiting for payment
– Pay truck payments, fuel, maintenance, and insurance on time
– Cover driver wages and operational costs
– Maintain cash flow despite slow shipper/broker payments
– Take on more loads with confidence
Unlike loans, factoring does not create debt. It’s a sale of receivables, not borrowed money.
Benefits of Transportation Factoring
Immediate Cash Flow
Get funded within 24-48 hours instead of waiting 30-90 days for shipper/broker payment.
No Debt
Factoring is a sale of receivables, not a loan. No debt on your balance sheet.
Flexible Funding
Scale funding based on your loads and operational needs.
Credit Protection
We evaluate shipper/broker creditworthiness, reducing exposure to non-paying accounts.
Meet Expenses On Time
Pay truck payments, fuel, maintenance, insurance, and driver wages without delay.
Growth Without Limits
Take on more loads and expand your fleet without cash flow constraints.
How Transportation Factoring Works
Submit Invoice
Send us your unpaid load invoices for approval.
We Review & Approve
Fast underwriting within 24 hours.
Receive Advance
Get 80-95% of invoice value in 24-48 hours.
Shipper Pays Us
We release remaining balance minus fee.
Transportation Factoring for Different Load Types
Standard Loads
Factor invoices for standard freight and partial loads.
Full Truckload
Financing for FTL loads with quick turnaround.
Contract Work
Factor invoices from long-term shipper contracts.
Broker Freight
Get funded on loads from freight brokers with extended terms.
Who We Serve
Ameritex Capital has extensive experience providing transportation factoring to trucking companies and owner-operators, including:
Owner-Operators β’ Small Fleets β’ Medium Fleets β’ Hazmat Carriers β’ Tanker Trucking β’ Refrigerated Transport β’ Flatbed & Heavy Haul β’ Specialized Hauling β’ Intermodal β’ Drayage & Local β’ And More
Whether you’re an O/O or operate a fleet, we have the expertise and funding to support your business.
Why Choose Ameritex Capital?
Ameritex Capital stands apart from other factoring companies. Here’s what sets us apart:
Direct Funder & Broker β We fund deals directly AND broker with our network, ensuring you get the best deal, not just the easiest one.
Trucking Industry Expertise β We specialize in transportation factoring. We understand your loads, your brokers, and your unique cash flow challenges.
Fast Approvals β Approval in 24 hours, funding in 24-48 hours. We know trucking requires speed.
Transparent Pricing β No hidden fees, no surprises. You know exactly what you’ll pay upfront.
Flexible Terms β We work with standard loads, full truckloads, broker freight, and contract work β whatever your situation requires.
Texas-Based β Local expertise with nationwide reach. We understand transportation across America.
Dedicated Support β Your dedicated account manager is available during business hours to answer questions and solve problems.
What Owner-Operators Say About Us
“As an O/O, cash flow is everything. Ameritex got us funded in 48 hours so I could keep running loads and pay my bills on time. Excellent service.”
David Thompson
Owner-Operator, Dallas TX
“We tried banks β no luck. Ameritex understood our trucking business and funded us immediately. We’ve been using them for 6 months now.”
Lisa Rodriguez
Small Fleet Owner, Houston TX
“With broker invoices, we were waiting 60+ days for payment. Ameritex factored them and got us funded in 48 hours. Game changer!”
Kevin Nelson
Hazmat Carrier, San Antonio TX
Frequently Asked Transportation Factoring Questions
How quickly can I get funded?
Most owner-operators and trucking companies receive funding within 24-48 hours of invoice approval. We understand that time is critical in transportation.
What percentage of my load invoice will you advance?
We typically advance 80-95% of invoice value, depending on your shipper/broker’s creditworthiness and payment terms.
Do you work with broker freight?
Yes. We specialize in factoring broker invoices with extended payment terms (60, 90+ days). That’s our specialty in trucking.
Will transportation factoring hurt my credit?
No. Factoring is not a loan, so it doesn’t create debt or negatively impact your credit. We evaluate your shippers/brokers, not you.
Are there long-term contracts?
No. We don’t require long-term contracts. You can use factoring as needed β month-to-month flexibility for your operations.
What’s your factoring fee for transportation?
Factoring fees are typically 1-4% of invoice value, depending on invoice size, shipper/broker creditworthiness, and payment terms. We’ll provide transparent pricing upfront.
Ready to Keep Your Trucks on the Road?
Contact our funding specialists today for a free, no-obligation consultation. Let’s discuss how transportation factoring can improve your cash flow and keep your business running smoothly.
MonβFri 8amβ6pm CT