Quick answer
The best trucking factoring company offers same-day pay, advances of 90%–97%, flat fees around 1.5%–4% per load, free broker credit checks, fuel advances and no long-term lock-in. Compare the all-in cost per load, not just the headline rate.
Rates and advances
Ask for the flat fee per load and the advance percentage. A 3% fee with a 97% advance can beat a 2% fee with an 80% advance plus add-ons.
Contracts and minimums
Avoid long terms, monthly minimums and large termination fees unless the rate justifies them.
Recourse terms
Non-recourse protects you if an approved broker goes out of business, but read what's actually covered.
Extras that matter
Fuel advances, fuel card discounts, mobile upload, broker credit checks and fast customer support.
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Written and reviewed by the National Invoice Factoring funding team — specialists in receivables and trade finance since 2009.
