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.
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.
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.
it’s your money. Hang onto it.
Capital is the foundation of your trucking business. Bring home more of what’s yours with flexible, transparent freight factoring.
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.
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
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.
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.
Direct deposit
Upon approval, we’ll directly deposit to your FDIC-insured TruckSmarter Checking Account** so you can access it instantly.
Instant access
Running a trucking business requires cash fast. Access yours instantly and spend it with your TruckSmarter Card whereever Visa is accepted.
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.
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
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
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
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
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
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
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
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
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
Compare
2023 TruckSmarter Inc.
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.
Compare
2023 TruckSmarter Inc.
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.
Compare
2023 TruckSmarter Inc.
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.
Compare
2023 TruckSmarter Inc.
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.