TRUCKSMARTER FREIGHT FACTORING

Instant pay. 2.5% rate.

Improve your cash flow fast with no hidden fees, no long-term contracts, and instant pay on approval.

TruckSmarter factoring screens showing account balance, how to factor a load, payments, uploading docs, and the debit card

TRUCKSMARTER FREIGHT FACTORING

Instant pay. 2.5% rate.

Improve your cash flow fast with no hidden fees, no long-term contracts, and instant pay on approval.

TruckSmarter factoring screens showing account balance, how to factor a load, payments, uploading docs, and the debit card

FREIGHT FACTORING

Instant pay. 2.5% rate.

Improve your cash flow fast with no hidden fees, no long-term contracts, and instant pay on approval.

TRUCKSMARTER FREIGHT FACTORING

Instant pay. 2.5% rate.

Improve your cash flow fast with no hidden fees, no long-term contracts, and instant pay on approval.

TRUCKSMARTER FREIGHT FACTORING

Instant pay. 2.5% rate.

Improve your cash flow fast with no hidden fees, no long-term contracts, and instant pay on approval.

TruckSmarter factoring screens showing account balance, how to factor a load, payments, uploading docs, and the debit card
TruckSmarter factoring screens showing account balance, how to factor a load, payments, uploading docs, and the debit card

Get the app

Want 2.5% freight factoring? 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.

it’s your money. Hang onto it.

Capital is the foundation of your trucking business. Bring home more of what’s yours with TruckSmarter Factoring.

Stuck in a 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.

INSTANT PAY

We purchase your invoices fast! Most invoices are purchased within 4 hours of uploading and the minute they are approved, your funds hit your account—even on weekends and holidays.

INSTANT pay

Super fast invoice factoring! Most invoices are purchased within 4 hours of uploading and the minute they are approved, your funds hit your account—even on weekends and holidays.

Streamlined

document upload

Streamlined document upload

Submit your rate con and POD directly from your phone using our in-app scanner and document management system.

Screenshot of how to quickly and easily upload a rate con and POD to the phone

We generate your broker invoice

We generate your
broker invoice

Upload your paperwork and move on! We’ll create and submit your invoice so you can get back to running your trucking business.

Screenshot of the invoice TruckSmarter creates automatically from your rate con and POD

Direct deposit

Upon approval, we’ll directly deposit to your FDIC-insured TruckSmarter Checking Account** so you can access it instantly.

Screenshot of TruckSmarter Banking showing monthly spend reports, revenue, expenses, and profit

Instant access

Running a trucking business requires cash fast. Access yours instantly and spend it with your TruckSmarter Card whereever Visa is accepted.

Screenshot of the TruckSmarter debit card in the app and how to manage, transfer, view balance, and see card details

Your funds are FDIC-insured up to $250,000 through Blue Ridge Bank, N.A.; Member FDIC.

**Your funds are FDIC-insured up to $250,000 through Blue Ridge Bank, N.A.; Member FDIC.

No Hidden fees. Ever.

When you factor with us, you’ll always know what you’re paying and when.

No Hidden fees. Ever.

When you factor with us, you’ll always know what you’re paying and when.

No sliding scale

No sliding scale

No sliding scale

No sliding scale

Your rate is your rate, whether you have a truck or a fleet

Your rate is your rate, whether you have a truck or a fleet

No invoice fee

No invoice fee

No invoice fee

No invoice fee

Uploading docs is free and we generate your invoice

No reserves

No reserves

No reserves

No reserves

We hold nothing back and pay you the full amount owed

No minimums

No minimums

No minimums

No minimums

No variable rates! If you take time off, your rate won’t change

No obligation

No obligation

No obligation

No obligation

We're flexible - no long-term contracts! Just give us a 30-day notice

FROM THE PEOPLE WE SERVE

“This is one of the best, if not the best freight factoring company I've worked with. As long as everything on my end is good, I get paid immediately! 😌 And, if there's an issue, they get right on it and do all they can to insure that I'm paid! Their customer service is A-1!!!. Thank you and I appreciate 🙏🏾 you!”

Sidney M.

FROM THE PEOPLE WE SERVE

“This is one of the best, if not the best freight factoring company I've worked with. As long as everything on my end is good, I get paid immediately! 😌 And, if there's an issue, they get right on it and do all they can to insure that I'm paid! Their customer service is A-1!!!. Thank you and I appreciate 🙏🏾 you!”

Sidney M.

Screenshot of approved broker info with broker details like a vetted tag, credit score, and average days to pay information
Screenshot of how brokers are listed in the TruckSmarter app and how we label them "factorable" or "not approved" for drivers
Screenshot of how to request a new broker in the TruckSmarter app

2,000+ APPROVED brokers

Our brokers

Work with trustworthy brokers we vetted and pre-approved through a credit check.

Factorable label

Request a broker

Get started

Screenshot of approved broker info with broker details like a vetted tag, credit score, and average days to pay information
Screenshot of how brokers are listed in the TruckSmarter app and how we label them "factorable" or "not approved" for drivers
Screenshot of how to request a new broker in the TruckSmarter app

2,000+ APPROVED brokers

Our brokers

Work with trustworthy brokers we vetted and pre-approved through a credit check.

Factorable label

Request a broker

Get started

Screenshot of approved broker info with broker details like a vetted tag, credit score, and average days to pay information
Screenshot of how brokers are listed in the TruckSmarter app and how we label them "factorable" or "not approved" for drivers
Screenshot of how to request a new broker in the TruckSmarter app

2,000+ APPROVED brokers

Our brokers

Work with trustworthy brokers we vetted and pre-approved through a credit check.

Factorable label

Request a broker

Get started

Screenshot of approved broker info with broker details like a vetted tag, credit score, and average days to pay information
Screenshot of how brokers are listed in the TruckSmarter app and how we label them "factorable" or "not approved" for drivers
Screenshot of how to request a new broker in the TruckSmarter app

2,000+ APPROVED brokers

Our brokers

Work with trustworthy brokers we vetted and pre-approved through a credit check.

Factorable label

Request a broker

Get started

Screenshot of approved broker info with broker details like a vetted tag, credit score, and average days to pay information
Screenshot of how brokers are listed in the TruckSmarter app and how we label them "factorable" or "not approved" for drivers
Screenshot of how to request a new broker in the TruckSmarter app

2,000+ APPROVED brokers

Our brokers

Work with trustworthy brokers we vetted and pre-approved through a credit check.

Factorable label

Request a broker

Get started

Screenshot of TruckSmarter Banking and how to view balance, transfer money, manage debit cards, and view recent transactions
Screenshot of monthly cash back earnings gained from TruckSmarter 1% cash back
Screenshot of TruckSmarter monthly spend reports, revenue, expenses, and profit in an easy dashboard

Banking for owner-operators

When you factor with us, you get free access to our suite of financial tools:

(Coming soon) Earn annual interest

Grow your money fast with the TruckSmarter Checking Account*! Plus, we keep your money safe and protected up to $250,000.

Get 1% cash back*

Track your spending

Learn about Banking

Screenshot of TruckSmarter Banking and how to view balance, transfer money, manage debit cards, and view recent transactions
Screenshot of monthly cash back earnings gained from TruckSmarter 1% cash back
Screenshot of TruckSmarter monthly spend reports, revenue, expenses, and profit in an easy dashboard

Banking for owner-operators

When you factor with us, you get free access to our suite of financial tools:

(Coming soon) Earn annual interest

Grow your money fast with the TruckSmarter Checking Account*! Plus, we keep your money safe and protected up to $250,000.

Get 1% cash back*

Track your spending

Learn about Banking

Screenshot of TruckSmarter Banking and how to view balance, transfer money, manage debit cards, and view recent transactions
Screenshot of monthly cash back earnings gained from TruckSmarter 1% cash back
Screenshot of TruckSmarter monthly spend reports, revenue, expenses, and profit in an easy dashboard

Banking for owner-operators

When you factor with us, you get free access to our suite of financial tools:

(Coming soon) Earn annual interest

Grow your money fast with the TruckSmarter Checking Account*! Plus, we keep your money safe and protected up to $250,000.

Get 1% cash back*

Track your spending

Learn about Banking

Screenshot of TruckSmarter Banking and how to view balance, transfer money, manage debit cards, and view recent transactions
Screenshot of monthly cash back earnings gained from TruckSmarter 1% cash back
Screenshot of TruckSmarter monthly spend reports, revenue, expenses, and profit in an easy dashboard

Banking for owner-operators

When you factor with us, you get free access to our suite of financial tools:

Earn annual interest

Grow your money fast with the TruckSmarter Checking Account*! Plus, we keep your money safe and protected up to $250,000.

Get 1% cash back*

Track your spending

Learn about Banking

Have questions? We're here.

Our Factoring Team in Chicago is ready to help.
Call or text (404) 738-7125 or email factoring@trucksmarter.com.
Monday–Friday 10:00am–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

Have questions? We're here.

Our Factoring Team in Chicago is ready to help.
Call or text (404) 738-7125 or email factoring@trucksmarter.com.
Monday–Friday 10:00am–6:00pm CT

Have questions? We're here.

Our Factoring Team in Chicago is ready to help.
Call or text (404) 738-7125 or email factoring@trucksmarter.com.
Monday–Friday 10:00am–6:00pm CT

the TruckSmarter
Factoring team

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

the TruckSmarter
Factoring team

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

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?

AW, you’re making us blush

AW, you’re making us blush

★★★★★

Ken Tuggle, Tuggle Enterprises LLC

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

★★★★★

Anonymous

I have been with TruckSmarter since they started and I'm not going anywhere soon. Very satisfied with the customer service, have been getting paid out on the weekends in a timely manner, overall five stars very happy.

★★★★★

Marsha Wiles

TruckSmarter's app and factoring are very easy to use! The factoring rate is hard to beat and when every penny counts it is totally worth it. They have great customer service on top of everything else. If I have a question about anything, I contact Aidan and he is always quick to help me. Highly recommend TruckSmarter!!

Review

P.SINGH

Fast payment done within hours. Easy to use. I liked it.

★★★★★

Edward Gray

Just wanna say thanks for making my life less complicated when it comes to getting paid for my POD’s! The fuel discounts are really nice so keep up the good work and Happy Holidays to the whole team at TruckSmarter!!!!!!

★★★★★

Joe Brito

I’ve been pleasantly surprised with TruckSmarter! The ease of uploading invoices and the speed with which I get paid make it well worth checking out.

★★★★★

Mike Kasanda

I've been using these guys since November. App is great. Quick and easy to scan loads and transfer funds out once they're paid or check if a broker is approved or not. Biggest draw is they only require 30 days notice to cut ties with them if/when you're ready to get away from factoring. Some of the other companies make it impossible to cancel contract. Their customer service is top notch. I don't have a single complaint about them.

Great people to work with

Jeffrey Boyle

Absolutely great people to work with - Noel & Aiden. Thank you very much for the help & support!!!

Regarding an employee there

Benjamin Jackson

Reaching out to factoring regarding an employee there. Jennifer. She has been a great help in tracking down a particular broker, and extracting the information needed to get the job done.

Relentless, but professional. Calling and emailing every possible contact we could scrounge up until we finally got a response. I really appreciate the hard work and how she kept me in the loop on how things were progressing. The communication was very reassuring, knowing that someone was working on my behalf. Thank you Jennifer!!

★★★★★

Brito's Trucking & Logistics LLC

I’ve never used a factoring company before due to the outrageous rates most charge, but with TruckSmarter’s low rate, it’s a no-brainer.

We’re way more

 than a FACTORING COMPANY

Discover all the ways our suite of tools helps you build, manage, and grow your trucking business.

Learn more

Earn 1% cash back and get extra deep fuel discounts with banking made for truck drivers.

Earn 1% cash back and get extra deep fuel discounts with banking made for truck drivers.

Learn more

Earn 1% cash back and get extra deep fuel discounts with banking made for truck drivers.

Learn more

Earn 1% cash back and get extra deep fuel discounts with banking made for truck drivers.

Learn more

We’re way more than a freight factoring company

Discover all the ways our suite of tools helps you build, manage, and grow your trucking business.

Deeper fuel discounts

Transparent freight factoring

All your load boards combined

Learn more

Earn 1% cash back and get extra deep fuel discounts with banking made for truck drivers.

Earn 1% cash back and get extra deep fuel discounts with banking made for truck drivers.

Learn more

Earn 1% cash back and get extra deep fuel discounts with banking made for truck drivers.

Learn more

Earn 1% cash back and get extra deep fuel discounts with banking made for truck drivers.

Learn more

Banking for owner-operators

Learn more

Earn 1% cash back and get extra deep fuel discounts with banking made for truck drivers.

Earn 1% cash back and get extra deep fuel discounts with banking made for truck drivers.

Learn more

Earn 1% cash back and get extra deep fuel discounts with banking made for truck drivers.

Learn more

Earn 1% cash back and get extra deep fuel discounts with banking made for truck drivers.

Learn more

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.

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.

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.

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.