Deliver the load.
Get paid today.
Brokers and shippers pay in 30–90 days. Your fuel card doesn't wait that long. Freight factoring turns your delivered invoices into same-day cash: a factoring company advances you most of the invoice now, collects from the broker, and sends you the rest minus a small fee. We help you pick the right one so the fine print never bites.
Not sure which fits?
Send us your details and we'll match you with the best factoring company for your situation: lanes, volume, credit, and contract terms all considered. Free, no obligation.
Tell us about your operation
A McClure agent will review your details and call or email with the best factoring match for your operation.
Factoring, without the fine print voice.
You already earned the money. Factoring just gets it to you before the broker's accounting department wakes up.
You deliver & send the paperwork
Haul the load like always. Instead of invoicing the broker and waiting, you send the invoice, rate con, and BOL to your factoring company.
They pay you now
The factor advances you most of the invoice (typically the same or next day), so cash keeps moving with the truck instead of sitting in a broker's 45-day cycle.
They collect, you roll
The factoring company collects from the broker and handles the chasing. Their fee comes out of the invoice. The rest is yours. No loans, no debt on your books.
Why go through us? Factoring contracts differ on rates, recourse vs. non-recourse, minimums, and exit terms. And the wrong one is expensive to leave. We know these companies, we know trucking, and we'll point you at the right fit for your lanes and volume. It costs you nothing.
Three factors we trust our truckers with.
Pick one and we'll make the introduction, or use the match form and let us pick for you.
Single Point Capital Featured partner
Full-service factoring · Fort Worth, TXOur first call for owner-operators and small fleets: a Texas factor with same-day funding, fuel cards and fuel advances, and real back-office support that treats a two-truck operation like it matters. New authorities welcome.
Start with Single Point Capital
We'll connect you with Single Point Capital and stay on the thread until you're funded.
RTS Financial
Non-recourse factoring at scaleOne of the biggest names in freight factoring: non-recourse programs, strong fuel discounts through the RTS fuel card, and broker credit checks built into the RTS Pro app. A solid fit for carriers who want a big-company toolset behind them.
Start with RTS Financial
We'll connect you with RTS Financial and stay on the thread until you're funded.
DAT
DAT Freight & Analytics · One App, load to paidThe load board people. DAT's factoring lives inside the DAT One ecosystem you're probably already booking from: factor the loads you find, with broker credit data and days-to-pay history baked in before you ever commit to the lane.
Start with DAT
We'll connect you with DAT and stay on the thread until you're funded.
Three things we check on every contract.
Every factor advertises a low rate. The differences live in the paragraphs nobody reads. So we read them.
Recourse vs. non-recourse
If a broker never pays, who eats it, you or the factor? Non-recourse costs a little more; recourse is cheaper until it isn't. Which is right depends on who you haul for.
Minimums & term length
Monthly volume minimums, auto-renewing terms, and 60–90–day exit windows are where truckers get stuck. We flag them before you sign, not after.
The all-in rate
ACH fees, invoice-upload fees, reserve holdbacks. The advertised percentage is rarely the whole cost. We compare what actually lands in your account.
Still not sure which fits?
Send us your details and we'll match you with the best factoring company for your situation. One form, one callback, zero pressure.
Tell us about your operation
A McClure agent will review your details and call or email with the best factoring match for your operation.