TRUCKSMARTER FREIGHT FACTORING

MAKE THE SWITCH. WE CAN HELP.

Stuck in a factoring contract? Our dedicated team can help. We’ll review your contract with you to see if you’re eligible for a buyout–with no obligation to switch.

TRUCKSMARTER FREIGHT FACTORING

MAKE THE SWITCH. WE CAN HELP.

Stuck in a factoring contract? Our dedicated team can help. We’ll review your contract with you to see if you’re eligible for a buyout–with no obligation to switch.

FREIGHT FACTORING

MAKE THE SWITCH. WE CAN HELP.

Stuck in a factoring contract? Our dedicated team can help. We’ll review your contract with you to see if you’re eligible for a buyout–with no obligation to switch.

FREIGHT FACTORING

MAKE THE SWITCH. WE CAN HELP.

Stuck in a factoring contract? Our dedicated team can help. We’ll review your contract with you to see if you’re eligible for a buyout–with no obligation to switch.

TRUCKSMARTER freight FACTORING

MAKE THE SWITCH.
WE CAN HELP.

Stuck in a factoring contract? Our dedicated team can help. We’ll review your contract with you to see if you’re eligible for a buyout–with no obligation to switch.

BENEFITS OF SWITCHING

Capital is the foundation of your trucking business.

Bring home more of what’s yours with TruckSmarter Factoring.

BENEFITS OF SWITCHING

Capital is the foundation of your trucking business.

Bring home more of what’s yours with TruckSmarter Factoring.

Low 2.5% rate

Low 2.5% rate

Lightning-fast invoice factoring and payment for one of the lowest rates in the industry.

Instant pay

Instant pay

We purchase invoices fast, so we can pay you faster. Our avg speed is 4 hours to payout.

No hidden fees

No hidden fees

Know what you’re paying. No minimums. No reserves. No annual contracts.

2,000+ vetted brokers

2,000+ vetted brokers

Breathe easy knowing you're working with trustworthy freight brokers.

PROTECT YOUR BUSINESS

with TruckSmarter Non-Recourse Factoring

Non-recourse means different things at different companies. For us, it means if a broker goes bankrupt, we take the hit so you and your business can keep moving.

Icon of a shield with a lock
Icon of a shield with a lock
Icon of a shield with a lock
Icon of a shield with a lock

PROTECT YOUR BUSINESS

with TruckSmarter Non-Recourse Factoring

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

Non-recourse means different things at different companies. For us, it means if a broker goes bankrupt, we take the hit so you and your business can keep moving.

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

Note: TruckSmarter Factoring has no long-term contracts, just give us 30 days notice.

You deserve the lowest factoring rates possible. Switching companies is easier than you think.

Note: TruckSmarter Factoring has no long-term contracts, just give us 30 days notice.

Note: TruckSmarter Factoring has no long-term contracts, just give us 30 days notice.

You deserve the lowest factoring rates possible. Switching companies is easier than you think.

You deserve the lowest factoring rates possible. Switching companies is easier than you think.

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 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 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?

How can I contact your Factoring Team?

What does FDIC-insured mean?

How can I contact your Factoring Team?

What does FDIC-insured mean?

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

Lightning fast 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 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.

****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 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.

****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 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.

****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 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.

****Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.