TruckSmarter Factoring vs. TAFS
TruckSmarter vs. Mudflap
Fuel Discounts
TruckSmarter Factoring vs. TAFS
Choosing a freight factoring company is a big decision. Find out why trucking companies prefer TruckSmarter to TAFS.
Why choose TruckSmarter Factoring?
Transparent pricing
Transparent pricing
Our rates can start at 2.5% and every fee you’ll ever pay is listed out on our pricing
page.
Our rates start at 2.5% and every fee you’ll ever pay is listed out on our pricing page.
Our rates start at 2.5% and every fee you’ll ever pay is listed out on our pricing page.
Our rates start at 2.5% and every fee you’ll ever pay is listed out on our pricing page.
Non-recourse protection
Earn fuel credits & deals
Earn fuel credits & deals
Earn fuel credits & deals
Don’t let companies fool you: you want protection if a broker you work with goes under.
Flexible
contracts
Flexible
contracts
No annual or hard-to-get-out-of contracts here! You can cancel with just 30 days’ notice.
INSTANT FUEL SAVINGS
INSTANT FUEL SAVINGS
INSTANT FUEL SAVINGS
INSTANT FUEL SAVINGS
INSTANT FUEL SAVINGS
INSTANT FUEL SAVINGS
INSTANT FUEL SAVINGS
INSTANT FUEL SAVINGS
INSTANT FUEL SAVINGS
INSTANT FUEL SAVINGS
Compare freight factoring companies
Feature
TAFS
Transparent pricing
Transparent pricing
Info unavailable on website
Info unavailable on website
Flexible contracts
Flexible contracts
Info unavailable on website
Info unavailable on website
Non-recourse protection
Non-recourse protection
Free broker credit checks
Free broker credit checks
Payment on weekends and holidays
Payment on weekends and holidays
Available with an advance
Available with an advance
Flexible fee-free cancellation
Flexible fee-free cancellation
90-120 day notice
(or you auto-renew for a year)
90-120 day notice
(or you auto-renew for a year)
Interest-bearing account**
Interest-bearing account**
Fuel Discounts
Fuel Discounts
Advances
Advances
No reserves
No reserves
ACH fees
ACH fees
$0
$0
$10
$10
Transfer fees
Transfer fees
$15
$15
$15
$15
Zero monthly minimums
Zero monthly minimums
Free load board
Free load board
"The ease of the app, the factoring, the loads, the having it done instantaneously, the factoring any day of the week, the being able to call and get in touch and ask questions. Everyone that I talk to and truck with, I tell them about your company."
Nicole Hayes, TreeStone Transportation LLC
I've been dealing with TruckSmarter factoring for a couple months and I am thoroughly pleased with the way they do their business. I def recommend factoring with them. Special thanks to Toya (at customer service)! I had a mix up with the wrong BOL and she was all over it to make it right and make sure I got paid. Thank you Toya!
Fat Head
TruckSmarter has thought of everything that you would ask for in a complete service [truck freight] Factoring company- Best Rates, No Annual Contracts, True Instant pay, Fuel Savings Network and 1% cash back-who else does that or comes near?!
David DC Campos
A professional factoring company that is no hassle and easy to work with. No contracts or hidden fees. Will offer you updates and help make suggestions. Transfer funds to any bank or individual from the funds you have earned. Allows you to gain instant cash back on purchases using your personalized card, including fuel, or any other item requiring a debit bard. Thankful this Team @ TruckSmarter is available!
Er Ha
TruckSmarter has grown into an industry giant with their fuel discount program, factoring, FREE load board, and Friday clubhouse chats with the staff. Thank you for all that you do for the industry.
Steven “Chi Town” Wilbanks
TruckSmarter’s app and factoring are very easy to use! They have great customer service on top of everything else. If I have a question about anything, I contact Aidan [customer support] and he is always quick to help me. Highly recommend TruckSmarter!!
Marsha Wiles
"The ease of the app, the factoring, the loads, the having it done instantaneously, the factoring any day of the week, the being able to call and get in touch and ask questions. Everyone that I talk to and truck with, I tell them about your company."
Nicole Hayes, TreeStone Transportation LLC
I've been dealing with TruckSmarter factoring for a couple months and I am thoroughly pleased with the way they do their business. I def recommend factoring with them. Special thanks to Toya (at customer service)! I had a mix up with the wrong BOL and she was all over it to make it right and make sure I got paid. Thank you Toya!
Fat Head
TruckSmarter has thought of everything that you would ask for in a complete service [truck freight] Factoring company- Best Rates, No Annual Contracts, True Instant pay, Fuel Savings Network and 1% cash back-who else does that or comes near?!
David DC Campos
A professional factoring company that is no hassle and easy to work with. No contracts or hidden fees. Will offer you updates and help make suggestions. Transfer funds to any bank or individual from the funds you have earned. Allows you to gain instant cash back on purchases using your personalized card, including fuel, or any other item requiring a debit bard. Thankful this Team @ TruckSmarter is available!
Er Ha
TruckSmarter has grown into an industry giant with their fuel discount program, factoring, FREE load board, and Friday clubhouse chats with the staff. Thank you for all that you do for the industry.
Steven “Chi Town” Wilbanks
TruckSmarter’s app and factoring are very easy to use! They have great customer service on top of everything else. If I have a question about anything, I contact Aidan [customer support] and he is always quick to help me. Highly recommend TruckSmarter!!
Marsha Wiles
Switch to TruckSmarter today
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Resources
©2025 TruckSmarter, Inc.
*TruckSmarter, Inc. is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.
**The interest rate on your account is 2.48% with an Annual Percentage Yield (APY) of 2.50%, effective 9/18/2025. Rate is variable and is subject to change after account opening. Fees may reduce earnings.
***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its 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 [customerservice@thread.bank] with questions on the sweep program. Pass-through insurance coverage is subject to conditions.
****Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.
Resources
©2025 TruckSmarter, Inc.
*TruckSmarter, Inc. is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.
**The interest rate on your account is 2.48% with an Annual Percentage Yield (APY) of 2.50%, effective 9/18/2025. Rate is variable and is subject to change after account opening. Fees may reduce earnings.
***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its 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 [customerservice@thread.bank] with questions on the sweep program. Pass-through insurance coverage is subject to conditions.
****Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.
Resources
©2025 TruckSmarter, Inc.
*TruckSmarter, Inc. is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.
**The interest rate on your account is 2.48% with an Annual Percentage Yield (APY) of 2.50%, effective 9/18/2025. Rate is variable and is subject to change after account opening. Fees may reduce earnings.
***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its 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 [customerservice@thread.bank] with questions on the sweep program. Pass-through insurance coverage is subject to conditions.
****Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.
Resources
©2025 TruckSmarter, Inc.
*TruckSmarter, Inc. is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.
**The interest rate on your account is 2.48% with an Annual Percentage Yield (APY) of 2.50%, effective 9/18/2025. Rate is variable and is subject to change after account opening. Fees may reduce earnings.
***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its 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 [customerservice@thread.bank] with questions on the sweep program. Pass-through insurance coverage is subject to conditions.
****Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.