TRUCKSMARTER FREIGHT FACTORING

Lightning-fast factoring

See your money hit your account in just hours and hold on to more of it with flexible contracts and non-recourse protection.

TruckSmarter freight factoring screens showing account balance, how to factor a load, payments, uploading docs, and the debit card
TruckSmarter freight factoring screens showing account balance, how to factor a load, payments, uploading docs, and the debit card
  • NON-RECOURSE

    NO ANNUAL CONTRACTS

    FAIR FREIGHT FACTORING

    RATES AS LOW AS 2.5%

  • NON-RECOURSE

    NO ANNUAL CONTRACTS

    FAIR FREIGHT FACTORING

    RATES AS LOW AS 2.5%

RATES AS LOW
AS 2.5%

RATES AS LOW AS 2.5%

Let’s chat! We’ll onboard you quickly and hassle-free at a low, affordable rate.

Let’s chat! We’ll onboard you quickly and hassle-free at a low, affordable rate.

Click. Click. Cash.

Paydays are just seconds away–even on weekends and holidays. In fact, we pay 50% of our invoices within 2 hours.

Paydays are just seconds away–even on weekends and holidays. In fact, we pay 50% of our invoices within 2 hours.

Paydays are just seconds away–even on weekends and holidays. In fact, we pay 50% of our invoices within 2 hours.

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 FDIC-insured TruckSmarter Checking Account.*

3

Spend. Save.

Earn interest.

Spend. Save.
Earn interest.

Use your TruckSmarter Card anywhere Visa is accepted and get 1% cash back or keep money in your account and (soon) earn interest!

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.

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.

Cash advances

Drivers who factor with us can now request an advance directly from the app. Get paid up to 50% immediately after pick up.

Get 1% cash back

Use your TruckSmarter Debit Card anywhere Visa is accepted and get money back. Plus, free withdrawals at 55K ATMS.

Earn interest

Factor with us and watch your money make money in the high-interest bearing TruckSmarter Checking Account.
(Coming soon)

FDIC-insured checking**

Keep your money safe in the TruckSmarter Checking Account*! It’s FDIC-insured, so you are protected for up to $250,000.

Fuel discounts

Automatically get an extra 10¢/gal off fill-ups with TruckSmarter Fuel, on top of the listed discount in the app.

**FDIC insurance is available for funds on deposit up to $250,000 through Blue Ridge Bank N.A.or Thread Bank, Members FDIC.

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.

3.7K+ 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 brokers we’ll 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.

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

Illustration of a poor prickly cactus, confused as to how to get out of its bad freight factoring contract
Illustration of a poor prickly cactus, confused as to how to get out of its bad freight factoring contract
Illustration of a poor prickly cactus, confused as to how to get out of its bad freight factoring contract
Illustration of a poor prickly cactus, confused as to how to get out of its bad freight factoring contract

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 your phone number, you agree to our Terms of Service and consent to receive texts from TruckSmarter for marketing purposes.

Dedicated Factoring Support

Our US-based team is on-hand to answer your questions 

and find solutions quickly.

Hours:

Monday–Friday 10AM–6PM CT

Call or text:

(404) 738-7125

Email:

factoring@trucksmarter.com

Dedicated Factoring Support

Our US-based team is on-hand to answer your questions 

and find solutions quickly.

Hours:

Monday–Friday 10AM–6PM CT

Call or text:

(404) 738-7125

Email:

factoring@trucksmarter.com

Dedicated Factoring Support

Our US-based team is on-hand to answer your questions 

and find solutions quickly.

Hours:

Monday–Friday 10AM–6PM CT

Call or text:

(404) 738-7125

Email:

factoring@trucksmarter.com

Dedicated Factoring Support

Our Factoring Team in Chicago is ready to help.
Call or text (404) 738-7125 or email factoring@trucksmarter.com.
Monday–Friday 8:00am–6:00pm CT

Our Factoring Team in Chicago is ready to help.
Call or text (404) 738-7125 or email factoring@trucksmarter.com.
Monday–Friday 8:00am–6:00pm CT

Our Factoring Team in Chicago is ready to help.
Call or text (404) 738-7125 or email factoring@trucksmarter.com.
Monday–Friday 8:00am–6:00pm CT

Our Factoring Team in Chicago is ready to help.
Call or text (404) 738-7125 or email factoring@trucksmarter.com.
Monday–Friday 8:00am–6:00pm CT

Our Factoring Team in Chicago is ready to help.
Call or text (404) 738-7125 or email factoring@trucksmarter.com.
Monday–Friday 8:00am–6:00pm CT

Our Factoring Team in Chicago is ready to help.
Call or text (404) 738-7125 or email factoring@trucksmarter.com.
Monday–Friday 8:00am–6:00pm CT

Our Factoring Team in Chicago is ready to help.
Call or text (404) 738-7125 or email factoring@trucksmarter.com.
Monday–Friday 8:00am–6:00pm CT

Dedicated Factoring Support

Our US-based team is on-hand to answer your questions 

and find solutions quickly.

Hours:

Monday–Friday 10AM–6PM CT

Call or text:

(404) 738-7125

Email:

factoring@trucksmarter.com

FACTORING FAQs

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 have a specific equipment type?

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 have a specific equipment type?

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?

TruckSmarter Logo Asphalt Grey Footer

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

**Annual Percentage Yield (APY) of 3.27% is effective as of 11/01/2023. This is a variable rate and may change after the account is opened. Minimum opening deposit is $100 and you must maintain an average balance of $1,000 to earn the stated Annual Percentage Yield. Fees could affect earnings on the account. TruckSmarter is a financial technology company and is not a bank. Banking services provided by Blue Ridge Bank, N.A or Thread Bank, Members FDIC. ; Member 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 debit cards are accepted.

***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 or Mastercard cards are accepted. 

TruckSmarter Logo Asphalt Grey Footer

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

**Annual Percentage Yield (APY) of 3.27% is effective as of 11/01/2023. This is a variable rate and may change after the account is opened. Minimum opening deposit is $100 and you must maintain an average balance of $1,000 to earn the stated Annual Percentage Yield. Fees could affect earnings on the account. TruckSmarter is a financial technology company and is not a bank. Banking services provided by Blue Ridge Bank, N.A or Thread Bank, Members FDIC. ; Member 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 debit cards are accepted.

***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 or Mastercard cards are accepted. 

TruckSmarter Logo Asphalt Grey Footer

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

**Annual Percentage Yield (APY) of 3.27% is effective as of 11/01/2023. This is a variable rate and may change after the account is opened. Minimum opening deposit is $100 and you must maintain an average balance of $1,000 to earn the stated Annual Percentage Yield. Fees could affect earnings on the account. TruckSmarter is a financial technology company and is not a bank. Banking services provided by Blue Ridge Bank, N.A or Thread Bank, Members FDIC. ; Member 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 debit cards are accepted.

***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 or Mastercard cards are accepted. 

TruckSmarter Logo Asphalt Grey Footer

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

**Annual Percentage Yield (APY) of 3.27% is effective as of 11/01/2023. This is a variable rate and may change after the account is opened. Minimum opening deposit is $100 and you must maintain an average balance of $1,000 to earn the stated Annual Percentage Yield. Fees could affect earnings on the account. TruckSmarter is a financial technology company and is not a bank. Banking services provided by Blue Ridge Bank, N.A or Thread Bank, Members FDIC. ; Member 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 debit cards are accepted.

***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 or Mastercard cards are accepted.