TruckSmarter Logo Asphalt Grey Footer

TruckSmarter is a financial technology company and is not a bank. Banking services are provided by Blue Ridge Bank, N.A, Member FDIC. Deposits are FDIC-insured through Blue Ridge Bank, N.A., Member FDIC. The TruckSmarter Visa Debit Card is issued by Blue Ridge Bank, N.A., Member FDIC, pursuant to a license from Visa USA Inc. Your funds are FDIC insured up to $250,000 through Blue Ridge Bank, N.A.; Member FDIC.

*Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.

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Factoring resources

New to factoring?

Stuck in a contract

Stuck in a contract

How to switch factoring companies

How to switch factoring companies

Pros & cons of factoring

Pros & cons of factoring

make more

Factor with TruckSmarter

Factor with TruckSmarter

Interested in simple, transparent factoring? Contact us!

Interested in simple, transparent factoring? Contact us!

Factor with us

Factor with us

Stuck in a freight factoring contract?

Don’t worry, we can help you out of it. Switching factoring companies can be complicated, but our team will walk you through the process.

TruckSmarter Factoring

vs. OTR Factoring

TruckSmarter Factoring vs.

OTR Factoring

Choosing a freight factoring company–whether you already factor elsewhere or are new to the whole idea–is a big deal. We’re here to help you make the right decision for your trucking business.

Choosing a freight factoring company–whether you already factor elsewhere or are new to the whole idea–is a big deal. We’re here to help you make the right decision for your trucking business.

Factor with us

Learn more about TruckSmarter Factoring

TruckSmarter Factoring vs. OTR Factoring

Choosing a freight factoring company–whether you already factor elsewhere or are new to the whole idea–is a big deal. We’re here to help you make the right decision for your trucking business.

Factor with us

Why choose
TruckSmarter Factoring?

Size doesn’t matter

No long-term contracts

Simple, fast payment

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Size doesn’t matter

Size doesn’t matter

Size doesn’t matter

Whether you have a truck or a fleet you get one flat factoring rate and you always get non-recourse protection.

Whether you have a truck or a fleet you get one flat factoring rate and you always get non-recourse protection.

Whether you have a truck or a fleet you get one flat factoring rate and you always get non-recourse protection.

Invoice

Invoice

Invoice

2.5%

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Call Support

Call Support

No long-term contracts

No long-term contracts

No long-term contracts

If you decide we’re not a good fit, just give us 30 days notice! We won’t trap you into a contract or charge you to leave.

If you decide we’re not a good fit, just give us 30 days notice! We won’t trap you into a contract or charge you to leave.

If you decide we’re not a good fit, just give us 30 days notice! We won’t trap you into a contract or charge you to leave.

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Simple, fast payment

Simple, fast payment

Simple, fast payment

We offer one streamlined way to get paid fast–in an average of 2.9 hours. No maze of options with hidden fees. Just one easy system.

We offer one streamlined way to get paid fast–in an average of 2.9 hours. No maze of options with hidden fees. Just one easy system.

We offer one streamlined way to get paid fast–in an average of 2.9 hours. No maze of options with hidden fees. Just one easy system.

INVOICE AMOUNT

$7,212.24

Paid

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Feature

Freedom from long-term contracts

Flat rate

Guaranteed non-recourse protection

One payment method

Payment on weekends and holidays

Cash back debit card

Interest-bearing account

Fuel Discounts

Advances

ACH fees

Transfer fees

Instant transfers

Zero monthly minimums

Free load board

Free broker credit checks

Extraordinary customer service

Annual contracts


Requires 60 days notice ahead of your contract end date or you’ll incur a fee. Feem amount depends on time left on your contract and monthly volume


Depends on the size of your company.


Min 2.75% for recourse factoring for a single-truck company


Min 3% for non-recourse starts for a single-truck company


Larger companies can get lower rates


Depends on which program you choose. 


For a higher rate, you can get True Non-recourse protection


Several methods to choose from, each with various fees.


Do they pay more?

.25% cash back

$3 fee

$30 fee for wires

$25 Bolt payment

Just give us 30 days notice!

Whether you have a truck or a fleet you pay the same 2.5% rate.

You’re always covered with TruckSmarter.

Our unique banking system allows us to pay carriers in under 3 hrs directly to a TruckSmarter Checking Account. Easy, no hidden fees. 


Plus, you get our free suite of banking tools that include extra discounts off fuel, a 1% cash back debit card, and more.

Don’t wait to get paid, even if it’s a weekend or bank holiday.

1% unlimited cash back

Coming soon!

Fuel discounts in the app. Extra 10 cents/gal for factoring users

Up to 50% of the load directly to TruckSmarter account available to spend on anything

$0

$15 fee for wires

Coming soon!

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TruckSmarter is the best factoring company out there — it’s simple, straightforward, and I often get paid in less than 20 minutes.

TruckSmarter is the best factoring company out there — it’s simple, straightforward, and I often get paid in less than 20 minutes.

TruckSmarter is the best factoring company out there — it’s simple, straightforward, and I

often get paid in less

than 20 minutes.

TruckSmarter is the best factoring company out there — it’s simple, straightforward, and I

often get paid in less

than 20 minutes.

– Ken T.

– Ken T.

Why choose
TruckSmarter Factoring?

Size doesn’t matter

No long-term contracts

Simple, fast payment

Why choose
TruckSmarter Factoring?

Why choose
TruckSmarter Factoring?

Size doesn’t matter

Size doesn’t matter

No long-term contracts

No long-term contracts

Simple, fast payment

Simple, fast payment

make more

Feature

Freedom from long-term contracts

Flat rate

Guaranteed non-recourse protection

One payment method

Payment on weekends and holidays

Cash back debit card

Interest-bearing account

Fuel Discounts

Advances

ACH fees

Transfer fees

Instant transfers

Zero monthly minimums

Free load board

Free broker credit checks

Extraordinary customer service

Annual contracts


Requires 60 days notice ahead of your contract end date or you’ll incur a fee. Fee amount depends on time left on your contract and monthly volume


Depends on the size of your company.


Min 2.75% for recourse factoring for a single-truck company


Min 3% for non-recourse starts for a single-truck company


Larger companies can get lower rates


Depends on which program you choose. 


For a higher rate, you can get True Non-recourse protection


Several methods to choose from, each with various fees.


Do they pay more?

.25% cash back

$3 fee

$30 fee for wires

$25 Bolt payment

Just give us 30 days notice!

Whether you have a truck or a fleet you pay the same 2.5% rate.

You’re always covered with TruckSmarter.

Our unique banking system allows us to pay carriers in under 3 hrs directly to a TruckSmarter Checking Account. Easy, no hidden fees. 


Plus, you get our free suite of banking tools that include extra discounts off fuel, a 1% cash back debit card, and more.

Don’t wait to get paid, even if it’s a weekend or bank holiday.

1% unlimited cash back

Coming soon!

Fuel discounts in the app. Extra 10 cents/gal for factoring users

Up to 50% of the load directly to TruckSmarter account available to spend on anything

$0

$15 fee for wires

Coming soon!

TruckSmarter Logo Asphalt Grey Footer

TruckSmarter is a financial technology company, and is not a bank. Banking services provided by Blue Ridge Bank, N.A. and Thread Bank, Members FDIC. The TruckSmarter Visa Debit Card is issued by Blue Ridge Bank, N.A. and Thread Bank, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa is accepted. FDIC insurance is available for funds on deposit up to $250,000 through Blue Ridge Bank, N.A. or Thread Bank, Members FDIC.

*Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.

TruckSmarter Logo Asphalt Grey Footer

TruckSmarter is a financial technology company, and is not a bank. Banking services provided by Blue Ridge Bank, N.A. and Thread Bank, Members FDIC. The TruckSmarter Visa Debit Card is issued by Blue Ridge Bank, N.A. and Thread Bank, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa is accepted. FDIC insurance is available for funds on deposit up to $250,000 through Blue Ridge Bank, N.A. or Thread Bank, Members FDIC.

*Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.

make more

Feature

Freedom from long-term contracts

Flat rate

Guaranteed non-recourse protection

One payment method

Payment on weekends and holidays

Cash back debit card

Interest-bearing account

Fuel Discounts

Advances

ACH fees

Transfer fees

Instant transfers

Zero monthly minimums

Free load board

Free broker credit checks

Extraordinary customer service

Annual contracts


Requires 60 days notice ahead of your contract end date or you’ll incur a fee. Fee amount depends on time left on your contract and monthly volume


Depends on the size of your company.


Min 2.75% for recourse factoring for a single-truck company


Min 3% for non-recourse starts for a single-truck company


Larger companies can get lower rates


Depends on which program you choose. 


For a higher rate, you can get True Non-recourse protection


Several methods to choose from, each with various fees.


Do they pay more?

.25% cash back

$3 fee

$30 fee for wires

$25 Bolt payment

Just give us 30 days notice!

Whether you have a truck or a fleet you pay the same 2.5% rate.

You’re always covered with TruckSmarter.

Our unique banking system allows us to pay carriers in under 3 hrs directly to a TruckSmarter Checking Account. Easy, no hidden fees. 


Plus, you get our free suite of banking tools that include extra discounts off fuel, a 1% cash back debit card, and more.

Don’t wait to get paid, even if it’s a weekend or bank holiday.

1% unlimited cash back

Coming soon!

Fuel discounts in the app. Extra 10 cents/gal for factoring users

Up to 50% of the load directly to TruckSmarter account available to spend on anything

$0

$15 fee for wires

Coming soon!

Products

Partners

Pricing

Resources

Company

Log in

Sign up

Feature

Freedom from long-term contracts

Flat rate

Guaranteed non-recourse protection

One payment method

Payment on weekends and holidays

Cash back debit card

Interest-bearing account

Fuel Discounts

Advances

ACH fees

Transfer fees

Instant transfers

Zero monthly minimums

Free load board

Free broker credit checks

Extraordinary customer service

Annual contracts

Requires 60 days notice ahead of your contract end date or you’ll incur a fee. amount depends on time left on your contract and monthly volume.

Depends on the size of your company.

Min 2.75% for recourse factoring for a single-truck company

Min 3% for non-recourse starts for a single-truck company

Larger companies can get lower rates.

Depends on which program you choose. 

For a higher rate, you can get True Non-recourse protection.

Several methods to choose from, each with various fees.

Do they pay more?

.25% cash back

$30 fee for wires

$25 Bolt payment

Just give us 30 days notice!

Whether you have a truck or a fleet you pay the same 2.5% rate.

You’re always covered with TruckSmarter.

Our unique banking system allows us to pay carriers in under 3 hrs directly to a TruckSmarter Checking Account. Easy, no hidden fees. 


Plus, you get our free suite of banking tools that include extra discounts off fuel, a 1% cash back debit card, and more.

Don’t wait to get paid, even if it’s a weekend or bank holiday.

1% unlimited cash back

Coming soon!

Fuel discounts in the app. Extra 10 cents/gal for factoring users

Up to 50% of the load directly to TruckSmarter account available to spend on anything

$0

$15 fee for wires

Coming soon!

Factoring resources

New to factoring?

Stuck in a contract

How to switch factoring companies

Pros & cons of factoring

make more

Feature

Freedom from long-term contracts

Flat rate

Guaranteed non-recourse protection

One payment method

Payment on weekends and holidays

Cash back debit card

Interest-bearing account

Fuel Discounts

Advances

ACH fees

Transfer fees

Instant transfers

Zero monthly minimums

Free load board

Free broker credit checks

Extraordinary customer service

Annual contracts


Requires 60 days notice ahead of your contract end date or you’ll incur a fee. Fee amount depends on time left on your contract and monthly volume


Depends on the size of your company.


Min 2.75% for recourse factoring for a single-truck company


Min 3% for non-recourse starts for a single-truck company


Larger companies can get lower rates


Depends on which program you choose. 


For a higher rate, you can get True Non-recourse protection


Several methods to choose from, each with various fees.


Do they pay more?

.25% cash back

$3 fee

$30 fee for wires

$25 Bolt payment

Just give us 30 days notice!

Whether you have a truck or a fleet you pay the same 2.5% rate.

You’re always covered with TruckSmarter.

Our unique banking system allows us to pay carriers in under 3 hrs directly to a TruckSmarter Checking Account. Easy, no hidden fees. 


Plus, you get our free suite of banking tools that include extra discounts off fuel, a 1% cash back debit card, and more.

Don’t wait to get paid, even if it’s a weekend or bank holiday.

1% unlimited cash back

Coming soon!

Fuel discounts in the app. Extra 10 cents/gal for factoring users

Up to 50% of the load directly to TruckSmarter account available to spend on anything

$0

$15 fee for wires

Coming soon!