TRUCKSMARTER FACTORING FOR TRUCKING
TRUCKSMARTER FACTORING
†
†
1.9% flexible, fast factoring
1.9% flexible, fast factoring
See your money hit your account in just hours and hold on to more of it with flexible contracts and non-recourse factoring protection.
See your money hit your account in just hours and hold on to more of it with flexible contracts and non-recourse factoring protection.
†For the first 90 days after onboarding; 2.5% after. Complete onboarding by 5/31/2025 to qualify. Subject to approval. Terms apply.
†For the first 90 days after onboarding; 2.5% after. Complete onboarding by 5/31/2025 to qualify. Subject to approval. Terms apply.
NON-RECOURSE
NO ANNUAL CONTRACTS
FAIR FREIGHT FACTORING
RATES AS LOW AS 1.9%
†
2.5%
NON-RECOURSE
NO ANNUAL CONTRACTS
FAIR FREIGHT FACTORING
RATES AS LOW AS 1.9%
†
2.5%
TruckSmarter is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. The TruckSmarter Visa Debit Card is issued by Threrad Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and maybe used everywhere Visa is accepted.
It’s fast. It’s flexible.
It’s driver-first factoring.
Yep, we pay fast–but there’s more to it. Hold on to your freedom and your funds with a low rate, no annual contracts or hidden fees, and payments 7 days a week. Boost your cash flow and power up your business.
RATES AS LOW
RATES AS LOW
AS 1.9%
†
†
2.5%
For 90 days, you can factor with us at 1.9%. Afterward your rate will change to 2.5% and we’ll work with you in the future to lower your rate as your invoice volume increases.
For 90 days, you can factor with us at 1.9%. Afterward your rate will change to 2.5% and we’ll work with you in the future to lower your rate as your invoice volume increases.
†For the first 90 days after onboarding; 2.5% after. Complete onboarding by 5/31/2025 to qualify. Subject to approval. Terms apply.
†For the first 90 days after onboarding; 2.5% after. Complete onboarding by 5/31/2025 to qualify. Subject to approval. Terms apply.
Are you a fleets owner? Visit For Fleets to learn more about our most competitive Factoring rate, for fleets only.
Are you a fleets owner? Visit For Fleets to learn more about our most competitive Factoring rate, for fleets only.
Click. Click. Cash.
Paydays are just seconds away–even on weekends and holidays. In fact, we pay 50% of our invoices within 2 hours, ensuring you can collect payment swiftly, without hassle.
Paydays are just seconds away–even on weekends and holidays. In fact, we pay 50% of our invoices within 2 hours, ensuring you can collect payment swiftly, without hassle.
Paydays are just seconds away–even on weekends and holidays. In fact, we pay 50% of our invoices within 2 hours, ensuring you can collect payment swiftly, without hassle.
1
Scan your docs
Scan your docs
Take a clear photo of your rate con and POD with our in-app scanner and we’ll generate and manage your invoices.
2
Get paid fast
Get paid fast
The second your invoice is cleared, we’ll deposit payment to your TruckSmarter Checking Account with FDIC-Insurance*** on deposits through our banking partner Thread Bank, Member FDIC.
The TruckSmarter Visa debit card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.
3
Spend. Save.
Earn interest.
Spend. Save.
Earn interest.
Use your TruckSmarter Card anywhere Visa is accepted or keep money in your account and earn 2.66% APY!**
Cut your #1 cost. Compound savings.
Cut your #1 cost. Compound savings.
Save $1000s at the pump yearly with fuel discounts plus $100s more with extra fuel savings for drivers who factor with us.
Save $1000s at the pump yearly with fuel discounts plus $100s more with extra fuel savings for drivers who factor with us.
Where ever you go
Free money
management tools
Factor a load, however you like! On both mobile and desktop, you can get paid fast, track payments, and contact our support team with ease.
Desktop
Desktop
Mobile
Mobile
Where ever you go
Factor a load, however you like! On both mobile and desktop, you can get paid fast, track payments, and contact our support team with ease.
Desktop
Mobile
Free money management tools
Free money
management tools
Build, manage, and grow your profit with a free suite of banking tools to help you earn, spend, and save smarter.
Track expenses & revenue
Set, adjust, and hit your savings goals with a breakdown of where you spend your money and insights into your transactions.
Factoring advances
Drivers who factor with us can now request a factoring advance directly from the app. Get paid up to 50% immediately after pick up.
TruckSmarter Debit
Use your TruckSmarter Debit Card anywhere Visa is accepted and get free withdrawals at 55K ATMS.
Earn 2.66% APY**
Factor with us and watch your money make money in the high-interest bearing TruckSmarter Checking Account.
FDIC-insurance*** on deposits
Keep your money safe in the TruckSmarter Checking Account! Your funds are FDIC-insured up to $3,000,000*** through our banking partner Thread Bank; Member FDIC
Fuel discounts
Factor with us and get extra fuel savings on top of the listed TruckSmarter Fuel Discount. Plus you may be eligible for Fuel Line of Credit.
non-recourse Protection
This means if a broker goes bankrupt before paying you, we take the hit so you and your business can keep moving.
4K+ APPROVED BROKERS
When you factor with us, you work with vetted, trustworthy
freight brokers.
Free broker credit checks
Free broker credit checks
To ensure you’re working with trusted partners, we only factor loads from brokers we’ve vetted through a free credit check.
Factorable label
Factorable label
To make it easy to spot the load boards for brokers we factor with (who passed a credit check), we tag them as “Factorable.”
Request a broker
Request a broker
Have a broker you love to work with? Request them in the app and we’ll conduct a free credit check instantly.
No Hidden fees. Ever.
Freight factoring for your trucking business is straightforward with TruckSmarter. When you factor with us, you don’t have to worry about upload fees, cancellation fees, reserves, minimums, or obligations.
NO CANCELLATION FEES
NO UPLOAD FEES
NO RESERVES
NO MINIMUMS
NO OBLIGATION
NO CANCELLATION FEES
NO UPLOAD FEES
NO RESERVES
NO MINIMUMS
NO OBLIGATION
STUCK IN A FREIGHT FACTORING CONTRACT?
We can help you out of it, even if you have outstanding invoices. Switching factoring companies can be complicated, but our team will walk you through it.
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.
Call or text (404) 738-7125
#1 APP FOR TRUCK DRIVERS
Get the app! Give us your mobile number below, and we’ll text you a link to download the app.
By providing my phone number above, I acknowledge TruckSmarter’s Privacy Policy and agree to the Terms of Service, including the arbitration provision linked here, consent to receive calls and SMS from TruckSmarter for feedback collection and marketing purposes (including through the use of an autodialer and prerecorded and artificial voice), and consent to the recording of such call for quality assurance purposes. Consent is not a condition of any purchase. Message and data rates may apply. Message frequency varies. Text STOP to cancel or HELP for help.
By providing my phone number above, I acknowledge TruckSmarter’s Privacy Policy and agree to the Terms of Service, including the arbitration provision linked here, consent to receive calls and SMS from TruckSmarter for feedback collection and marketing purposes (including through the use of an autodialer and prerecorded and artificial voice), and consent to the recording of such call for quality assurance purposes. Consent is not a condition of any purchase. Message and data rates may apply. Message frequency varies. Text STOP to cancel or HELP for help.
By providing my phone number above, I acknowledge TruckSmarter’s Privacy Policy and agree to the Terms of Service, including the arbitration provision linked here, consent to receive calls and SMS from TruckSmarter for feedback collection and marketing purposes (including through the use of an autodialer and prerecorded and artificial voice), and consent to the recording of such call for quality assurance purposes. Consent is not a condition of any purchase. Message and data rates may apply. Message frequency varies. Text STOP to cancel or HELP for help.
By providing my phone number above, I acknowledge TruckSmarter’s Privacy Policy and agree to the Terms of Service, including the arbitration provision linked here, consent to receive calls and SMS from TruckSmarter for feedback collection and marketing purposes (including through the use of an autodialer and prerecorded and artificial voice), and consent to the recording of such call for quality assurance purposes. Consent is not a condition of any purchase. Message and data rates may apply. Message frequency varies. Text STOP to cancel or HELP for help.
By providing my phone number above, I acknowledge TruckSmarter’s Privacy Policy and agree to the Terms of Service, including the arbitration provision linked here, consent to receive calls and SMS from TruckSmarter for feedback collection and marketing purposes (including through the use of an autodialer and prerecorded and artificial voice), and consent to the recording of such call for quality assurance purposes. Consent is not a condition of any purchase. Message and data rates may apply. Message frequency varies. Text STOP to cancel or HELP for help.
Dedicated Factoring Support
We make factoring for truckers easy. Our US-based team is on-hand to answer your questions and find solutions quickly.
Hours:
Monday–Friday 9AM–5PM CT
Call or text:
(404) 738-7125
Email:
factoring@trucksmarter.com
Dedicated Factoring Support
We make factoring for truckers easy. Our US-based team is on-hand to answer your questions and find solutions quickly.
Hours:
Monday–Friday 9AM–5PM CT
Call or text:
(404) 738-7125
Email:
factoring@trucksmarter.com
Dedicated Factoring Support
We make factoring for truckers easy. Our US-based team is on-hand to answer your questions and find solutions quickly.
Hours:
Monday–Friday 9AM–5PM CT
Call or text:
(404) 738-7125
Email:
factoring@trucksmarter.com
Dedicated Factoring Support
We make factoring for truckers easy. Our US-based team is on-hand to answer your questions and find solutions quickly.
Hours:
Monday–Friday 9AM–5PM CT
Call or text:
(404) 738-7125
Email:
factoring@trucksmarter.com
TRANSPORTATION FACTORING FAQS
TRANSPORTATION FACTORING FAQS
What is required to get started?
How quickly will I get paid?
Is there a deadline to get paid on weekends or holidays?
What are the benefits of the TruckSmarter Debit Card?
How long does it take to get my TruckSmarter Debit Card?
What are the fees for transferring money in and out of the TruckSmarter account?
Do I need to own a fleet or meet a specific criteria?
What if I’m currently in a factoring contract but I want to switch to TruckSmarter?
What brokers are currently supported?
What is required to get started?
How quickly will I get paid?
Is there a deadline to get paid on weekends or holidays?
What are the benefits of the TruckSmarter Debit Card?
How long does it take to get my TruckSmarter Debit Card?
What are the fees for transferring money in and out of the TruckSmarter account?
Do I need to own a fleet or meet a specific criteria?
What if I’m currently in a factoring contract but I want to switch to TruckSmarter?
What brokers are currently supported?
What is required to get started?
How quickly will I get paid?
Is there a deadline to get paid on weekends or holidays?
What are the benefits of the TruckSmarter Debit Card?
How long does it take to get my TruckSmarter Debit Card?
What are the fees for transferring money in and out of the TruckSmarter account?
Do I need to own a fleet or meet a specific criteria?
What if I’m currently in a factoring contract but I want to switch to TruckSmarter?
What brokers are currently supported?
What is required to get started?
How quickly will I get paid?
Is there a deadline to get paid on weekends or holidays?
What are the benefits of the TruckSmarter Debit Card?
How long does it take to get my TruckSmarter Debit Card?
What are the fees for transferring money in and out of the TruckSmarter account?
Do I need to own a fleet or meet a specific criteria?
What if I’m currently in a factoring contract but I want to switch to TruckSmarter?
What brokers are currently supported?
What is required to get started?
How quickly will I get paid?
Is there a deadline to get paid on weekends or holidays?
What are the benefits of the TruckSmarter Debit Card?
How long does it take to get my TruckSmarter Debit Card?
What are the fees for transferring money in and out of the TruckSmarter account?
Do I need to own a fleet or meet a specific criteria?
What if I’m currently in a factoring contract but I want to switch to TruckSmarter?
What brokers are currently supported?
What does FDIC-insured mean?
Is TruckSmarter non-recourse?
How can I contact your Factoring Team?
What does FDIC-insured mean?
Is TruckSmarter non-recourse?
How can I contact your Factoring Team?
What does FDIC-insured mean?
Is TruckSmarter non-recourse?
How can I contact your Factoring Team?
What does FDIC-insured mean?
Is TruckSmarter non-recourse?
How can I contact your Factoring Team?
Resources
©2024 TruckSmarter, Inc.
*TruckSmarter is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. The TruckSmarter Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
**The interest rate on your account is 2.63% with an Annual Percentage Yield (APY) of 2.66%, effective 12/18/2024. Rate is variable and is subject to change after account opening. Fees may reduce earnings.
***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact with questions regarding the sweep program.
****Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.
Resources
©2024 TruckSmarter, Inc.
*TruckSmarter is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. The TruckSmarter Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
**The interest rate on your account is 2.63% with an Annual Percentage Yield (APY) of 2.66%, effective 12/18/2024. Rate is variable and is subject to change after account opening. Fees may reduce earnings.
***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact with questions regarding the sweep program.
****Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.
Resources
©2024 TruckSmarter, Inc.
*TruckSmarter is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. The TruckSmarter Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
**The interest rate on your account is 2.63% with an Annual Percentage Yield (APY) of 2.66%, effective 12/18/2024. Rate is variable and is subject to change after account opening. Fees may reduce earnings.
***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact with questions regarding the sweep program.
****Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.
Resources
©2024 TruckSmarter, Inc.
*TruckSmarter is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. The TruckSmarter Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
**The interest rate on your account is 2.63% with an Annual Percentage Yield (APY) of 2.66%, effective 12/18/2024. Rate is variable and is subject to change after account opening. Fees may reduce earnings.
***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact with questions regarding the sweep program.
****Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.
Resources
©2024 TruckSmarter, Inc.
*TruckSmarter is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. The TruckSmarter Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
**The interest rate on your account is 2.63% with an Annual Percentage Yield (APY) of 2.66%, effective 12/18/2024. Rate is variable and is subject to change after account opening. Fees may reduce earnings.
***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact with questions regarding the sweep program.
****Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.