RECURSOS EN TRUCKSMARTER

Factoring 101 - Guia en español

Si usted es nuevo en factoring o simplemente nuevo en TruckSmarter Factoring, está en el lugar correcto.


In English

Illustrated hand holding a pen and writing to represent factoring resources and learning with TruckSmarter
Illustrated hand holding a pen and writing to represent factoring resources and learning with TruckSmarter
Illustrated hand holding a pen and writing to represent factoring resources and learning with TruckSmarter
Illustrated hand holding a pen and writing to represent factoring resources and learning with TruckSmarter

Fundamentos Del Factoring De Fletes

factoring foundations

¿Qué es el factoring de fletes?

¿Qué es el factoring de fletes?

El factoring de fletes es un proceso que brinda ayuda a los conductores de camiones y a propietarios u operadores a cobrar por sus cargas más rápidamente que trabajando directamente con el broker. Una empresa de factoring adquiere el derecho a cobrar del broker el importe íntegro de su factura a cambio de una comisión. Como resultado, a usted se le paga la carga de inmediato y la empresa se encarga de facturar y cobrar a los brokers.

Como su empresa de factoring, le pagamos al instante tras la aprobación de su tarifa confirmada y comprobación de entrega, incluso los fines de semana y días festivos.

¿Cómo funciona el factoring de fletes?

¿Cómo funciona el factoring de fletes?

Las empresas de factoring de fletes le pagan rápidamente para garantizar que disponga de suficiente capital operativo para su negocio de transporte terrestre. En lugar de esperar los 30 días habituales para que un broker le pague por una entrega, una empresa de factoring compra su factura y le paga directamente en un plazo mucho más corto.

A cambio de un pago más rápido y del trabajo que supone tramitar sus facturas con el broker, estas empresas se quedan con un porcentaje de la factura en concepto de comisión. En el caso de TruckSmarter, ese porcentaje es del 2,5%, uno de los más bajos del sector y una tarifa plana independientemente del número de camiones que opere o de la frecuencia con la que facture.

Pagamos al instante tras la aprobación de su documentación, y nuestro equipo factura y cobra el dinero al broker para que usted pueda seguir adelante con su día.

Freight factoring companies pay you quickly to ensure you have working capital for your trucking business. Instead of waiting the standard 30 days for a broker to pay you for a delivery, a factoring company buys your invoice and pays you directly in a much shorter period of time.

In exchange for a quicker payout and the work involved with processing your invoices with the broker, these companies will take a percentage of the invoice as a fee. 

For TruckSmarter, that percentage is 2.5% – among the lowest in the industry and a flat rate no matter how many trucks you operate or how often you invoice. We pay out instantly upon approval of your paperwork, and our team invoices and collects money from the broker so you can move on with your day.

¿En qué se diferencia de un préstamo bancario?

¿En qué se diferencia de un préstamo bancario?

Cuando un banco presta dinero, acumula intereses sobre ese préstamo. Nosotros no lo hacemos. Cobramos una tarifa única que le da acceso casi inmediato al 97.5% de su dinero.

¿Qué es el factoring sin recurso?

¿Qué es el factoring sin recurso?

El factoring sin recurso implica que usted, el conductor, está protegido en caso de que un broker no pueda pagar una factura. Esta protección varía según la empresa de factoring, así que asegúrese de leer atentamente las condiciones del servicio para saber ante qué está protegido o no.

El factoring de TruckSmarter es sin recurso. Si un broker no puede pagar por una carga antes de pagar a TruckSmarter, usted está protegido de los cobros y del riesgo de crédito. Sin embargo, usted es responsable si su factura es inexacta, incorrecta u objetada. Obtenga más información aquí sobre el factoring sin recurso y lo que ocurre cuando se objetan las facturas.

¿En qué se diferencia el factoring de Quick Pay?

Con Quick Pay, el broker le paga normalmente en unos pocos días. El objetivo y la prioridad de Quick Pay es únicamente hacerle llegar su dinero más rápidamente. Usted sigue siendo responsable de facturar al broker. Las opciones de Quick Pay varían según el broker, por lo que la tasa que pague, la velocidad a la que le paguen y el proceso para cobrar serán diferentes. Algunos brokers no ofrecen opciones de Quick Pay y pueden tardar 30 días o más en pagarle.

Si trabaja con una empresa de factoring, la tarifa, la celeridad y el proceso para presentar la documentación y recibir el pago seguirán siendo los mismos, por lo que siempre sabrá qué esperar.

Con TruckSmarter Factoring, no sólo cobrará más rápido, sino que obtendrá ventajas adicionales, incluyendo entre otras:

  • Generación de facturas: sólo tiene que subir su documentación y nosotros generaremos y enviaremos su factura

  • Pagos consolidados de brokers

  • Fácil acceso a todas las facturas pendientes y pagadas

  • Información sobre los brokers con quienes trabaja

  • Comunicación rápida y homogénea en caso de litigio sobre el pago

  • Cuenta corriente de alto rendimiento asegurada por la FDIC*

Sus fondos están asegurados por la FDIC hasta $250.000 a través de Blue Ridge Bank, N.A o Thread Bank.; miembros de la FDIC.

How is factoring different from Quick Pay?

With Quick Pay, you get paid from the broker usually within a few days. The purpose and priority of Quick Pay is solely to get you your money faster. You are still responsible for invoicing the broker. Quick Pay options vary by broker, so the rate you pay, the speed at which you get paid, and the process for getting paid will differ. Some brokers do not offer quick pay options and can take 30 days or more to pay you.

If you work with a factoring company, the rate, speed, and process for submitting paperwork and getting paid stays the same, so you know what to expect every time.

With TruckSmarter Factoring, you not only get paid faster, but you get additional benefits, including:

• Invoice generation: just upload your paperwork and we’ll generate and submit your invoice

• Consolidated payments from brokers

• Easy access to all pending and paid invoices

• Info about the brokers you’re working with

• Quick and consistent communication in the event of a payment dispute

• High-yield FDIC-insured checking account*

• 1% cash back Visa Debit Card 

¿Cómo recibo el pago?

¿Cómo recibo el pago?

Para cobrar una carga con una empresa de factoring, usted deberá proporcionar la documentación de esa carga (confirmación de tarifa y comprobación de entrega) para que la empresa de factoring pague el valor de la misma en su banco o en su cuenta corriente.

Para TruckSmarter Factoring, usted subirá su documentación a la aplicación, generaremos su factura, y depositaremos su dinero instantáneamente tras la aprobación de la documentación en su cuenta corriente libre de comisiones y asegurada por la FDIC*, ¡incluso durante fines de semana y días festivos! Entonces podrá acceder a su dinero y gastarlo al instante con su tarjeta Visa TruckSmarter o transferir dinero a otra cuenta gratuitamente.

Sus fondos están asegurados por la FDIC hasta $250.000 a través de Blue Ridge Bank, N.A.; miembro de la FDIC.

¿Qué ocurre si ya tengo un contrato de factoring?

¿Qué ocurre si ya tengo un contrato de factoring?

Si ya tiene un contrato pero quiere saber si TruckSmarter Factoring es la mejor solución para usted, ¡contáctenos! Uno de los miembros de nuestro equipo en Chicago se pondrá en contacto con usted para ayudarle con el proceso de transición. En algunos casos, podemos comprar su contrato.

Una vez resuelto su acuerdo de compra, recibirá una carta de liberación de su antigua empresa de factoring y podrá inscribirse en TruckSmarter Factoring en la aplicación.

Llame o envíe un mensaje de texto al (404) 738-7125 o envíe un correo electrónico a factoring@trucksmarter.com.

¿POR QUÉ HACER FACTORING CON TRUCKSMARTER?

Why factor with
TruckSmarter?

Los clientes de TruckSmarter Factoring obtienen mucho más que un pago extremadamente rápido.

Our factoring customers get so much more than lightning-quick pay.

¿Tiene preguntas?
Estamos aquí para usted.

Nuestro equipo de Factoring en Chicago está listo para ayudarle.
Llame o envíe un mensaje de texto al (404) 738-7125 o envíe un
correo electrónico a factoring@trucksmarter.com.
Lunes a viernes de 10:00 a. m. a 6:00 p. m. hora centro

the TruckSmarter
Factoring team

Nuestro equipo de Factoring en Chicago está listo para ayudarle.
Llame o envíe un mensaje de texto al (404) 738-7125 o envíe un
correo electrónico a factoring@trucksmarter.com.
Lunes a viernes de 10:00 a. m. a 6:00 p. m. hora centro

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. FDIC insurance available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions. The TruckSmarter Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa USA Inc. and may be used anywhere Visa cards are accepted.

**Annual Percentage Yield (APY) of 2.96% is effective as of 09/19/2024. This is a variable rate and may change after the account is opened. Fees could affect earnings on the account. TruckSmarter is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. 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 everywhere Visa debit cards are accepted.

***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact with questions regarding the sweep program.

****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. FDIC insurance available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions. The TruckSmarter Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa USA Inc. and may be used anywhere Visa cards are accepted.

**Annual Percentage Yield (APY) of 2.96% is effective as of 09/19/2024. This is a variable rate and may change after the account is opened. Fees could affect earnings on the account. TruckSmarter is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. 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 everywhere Visa debit cards are accepted.

***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact with questions regarding the sweep program.

****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. FDIC insurance available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions. The TruckSmarter Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa USA Inc. and may be used anywhere Visa cards are accepted.

**Annual Percentage Yield (APY) of 2.96% is effective as of 09/19/2024. This is a variable rate and may change after the account is opened. Fees could affect earnings on the account. TruckSmarter is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. 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 everywhere Visa debit cards are accepted.

***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact with questions regarding the sweep program.

****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. FDIC insurance available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions. The TruckSmarter Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa USA Inc. and may be used anywhere Visa cards are accepted.

**Annual Percentage Yield (APY) of 2.96% is effective as of 09/19/2024. This is a variable rate and may change after the account is opened. Fees could affect earnings on the account. TruckSmarter is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. 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 everywhere Visa debit cards are accepted.

***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact with questions regarding the sweep program.

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