1.5% Factoring

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Keep more of what you make
Same day payments
Month-to-month contracts
No hidden fees
No minimums

How it works

Sign up

Open a fee-free FDIC-insured account through TruckSmarter.


Submit your invoices right from your mobile device.

Get paid

Access your money almost instantly upon invoice approval.

How we compare to others

Other companies
Payments terms
Only the big fleets get the best deals.
No matter if you have a truck or a fleet, we want everyone to get the best rate possible.
Contract terms
Iron-clad contracts that are almost impossible to cancel.
Flexible contracts mean you can renew with us or move on with just 30 days notice.
Payout timeline
24–48 hrs
With no payouts over the weekend or on bank holidays.
Same Day
Get paid almost instantly.
Additional fees
Signup fees, ACH fees, invoice upload fees, wire transfer fees, onboarding fees.
No fees
Absolutely no additional fees.
Monthly minimums or penalties if you don't meet the restrictions.
No minimums
We believe drivers should do what’s best for their business.

Sign up in minutes

Upload your documents and create an FDIC-insured account in just a few steps.

Submit an invoice

Simply add your load details, then upload your documents to the app.

Get paid same day

Most companies need 48+ hours. We can transfer to you almost instantly upon approval of your invoice.

Spend anywhere

Get 1% cash back and use your card anywhere Visa is accepted.

Peace of mind

Save time and effort by keeping all your transactions in one place.


What is required to get started?

You can get started by opening the ‘money’ tab in the TruckSmarter app or clicking here. The application only takes about five minutes and asks for a few key details about your business like MC or USDOT number, EIN, business address, and more. Upon completion of your factoring application, our team will review the application and contact you with next steps if we need any additional information or documentation.

Do I need to have a specific equipment type?

No, we do not have specific equipment type requirements. We most frequently work with dry van, reefer, flatbed, hot shot, and box truck carriers. We have a list of approved brokers and recommend you take a look at our list to see if the approved brokers offer loads for your equipment type.

Do I need to have to be/have a fleet or meet a specific criteria?

No! We offer 1.5% factoring to all carriers whether you have one truck or a large fleet. There are no minimums for factoring with TruckSmarter, and we do not have a long-term contract as we want you to do what is best for your business.

How long does it take to get my TruckSmarter Debit Card?

Upon factoring application approval, your debit card will arrive at your mailing address on file within 14 days. Once the debit card arrives, you will need to call 833-333-0417 to activate your card and set your PIN.

Is there a deadline to get paid on weekends or holidays?

In order to receive same-day payment, your documents and load details will need to be uploaded in the TruckSmarter app no later than 10:00am ET.

How quickly will I get paid?

We aim to process every payment as quickly as possible. Our standard is to review and process payments within 24 hours of invoice upload. Should you have a TruckSmarter managed bank account, you will receive payments instantly upon our team approving the invoice upload.

What if I’m currently in a factoring contract but I want to switch to TruckSmarter?

Our team is happy to walk through a buyout process with you. As a general expectation, in order to be able to execute on a buyout, we will need an up to date aging report submitted from your current factoring company and written confirmation from your current factoring provider that you are eligible for a contract buyout. If you have this information in hand, please send it to buyouts@smarttruckerllc.com.

What brokers are currently supported?

We have a growing list of approved brokers. We currently factor hundreds of brokers and factor for all the major brokers on the TruckSmarter Load Board. We also factor brokers who are not on our Load Board, as long as they meet our credit score criteria.

What does FDIC-insured mean?

Federal Deposit Insurance Corporation (FDIC) Insured means that the bank account is insured at an institution where deposits are federally protected against bank failure or theft.

Neill R.
TruckSmarter has been a huge time saver in my life professionally. Allows me to spend more time with my family instead of bouncing from load board to load board to compare rates and lanes. Now I can do it all with one simple search.
Neill R.
Fern Cliff Trucking
Crawfordsville, IA
Justin L.
TruckSmarter opens my horizons to brokers I never would’ve connected with before.
Justin L.
RMT Freight LLC
Greenville, SC
Jorge H.
TruckSmarter is our go to load board. As a small mom and pop, we appreciate the well thought-out app that allows us to find the loads we want with the info we need in a fraction of the time.
Jorge H.
Pure Muscle Transport
San Antonio, TX
Emmanuel P.
In a ever changing industry where rates are not only based on truck to load ratio, but also on the competition rates for the same lane, you have to see everything. Just use TruckSmarter 👊🏾.
Emmanuel P.
Paye Logistics LLC
Little Rock, AR
Truckers deserve better
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