Trucking Factoring Companies in 2026: How Freight Factoring Works, What It Costs, and What It Won't Cover

Key Takeaways

• Freight factoring sells a delivered load's invoice for cash now. You give up a slice of the invoice so you are not waiting 30 to 60 days on a broker. It is a sale of the receivable, not a loan, and it only works on freight you have already hauled.

• Read the fee schedule, not the headline. What factoring really costs comes down to:

  • flat versus tiered fees
  • the advance and the reserve
  • transfer and fuel-advance fees
  • monthly minimums and termination notice

  Run every quote against one real month of your loads.

• "Non-recourse" usually means credit risk only. Most non-recourse contracts cover a broker that goes insolvent. They usually do not cover a broker that disputes a load, files a cargo claim, or never got a clean bill of lading.

• The notice of assignment is the real commitment. Once your brokers are told to pay the factor, paying you does not settle their debt (UCC § 9-406). Leaving a factor takes a release letter and a clean exit from the contract.

• Factoring does not cover the expensive weeks. Repairs, insurance down payments, Form 2290, IFTA, and the week the truck sits are not invoices. ATRI put the average carrier's operating cost at a record $2.336 per mile in 2025, with repair and maintenance up 8.6%. That gap is a working-capital job.

• Trucking was not a high-risk file in our book. Across 47 matured trucking and transport files Quickie funded in 2026, 34% ever needed the collections desk, below the 38% book-wide rate. We removed our trucking risk adjustment in September 2026.

What is freight factoring? The short answer

Freight factoring is how most small carriers get paid on day one instead of day forty.

1. You deliver the load.
2. You send the factor your rate confirmation, signed bill of lading, and invoice.
3. The factor buys that invoice and advances you most of the amount right away.
4. It collects the full invoice from the broker or shipper on their normal terms, and keeps a fee for the wait and the credit risk.

That is the whole product. Everything else is wrapped around that one trade: fuel cards, load boards, apps, quick pay, broker credit checks. The trade itself is a discount on a receivable you already earned, in exchange for not waiting.

People search for it many ways: freight factoring, truck factoring, factoring for trucking, freight bill factoring, trucking invoice factoring. They are the same thing. Two related terms come up below:

• Spot factoring means factoring some loads instead of all of them.
• Quick pay means a broker pays you early for a fee, with no factor in the middle.

This guide is for owner-operators and small fleets: one to twenty trucks, mostly broker freight. It covers whether to factor, which trucking factoring companies to quote, what to get in writing, and what to do about the costs factoring never touches.

Quickie is not a factoring company. We fund trucking businesses with short-term working capital, and we see factor payouts on bank statements every day. That is the vantage point this page is written from.

How freight factoring works, load by load

Here is one load from pickup to final payment. The numbers are illustrative: round figures that show the mechanics, not a quote from any company.

1. You haul and deliver. The rate confirmation says $3,000, and the broker pays net 30.
2. You submit paperwork. The rate con, the signed BOL or proof of delivery, and your invoice go to the factor, usually through an app or portal the same day.
3. The factor verifies. It confirms the load with the broker and checks the broker's credit and payment history. Missing signatures and mismatched weights are where most delays start.
4. You get the advance. Say the advance is 95%, so $2,850 lands in your account or on your fuel card. Some factors advance the full invoice minus the fee and hold no reserve. Others hold a reserve back.
5. The broker pays the factor. On its normal schedule (30 days in this example, sometimes longer), the broker pays the full $3,000 to the factor, not to you. That is because of the notice of assignment.
6. The factor settles. It keeps its fee, say a flat 3% or $90, and releases the rest of the reserve: $60.

Net to you: $2,910 on a $3,000 load, most of it in a day or two instead of a month. That $90 is the price of not waiting. Whether it is worth paying depends on what your month looks like without it.

Step	Who pays whom	Illustrative amount	When
Advance	Factor → you	$2,850 (95%)	Same day to next day after paperwork clears
Customer payment	Broker → factor	$3,000	Broker's terms (net 30–60 is common)
Fee	Kept by the factor	$90 (3% flat, illustrative)	At settlement
Reserve release	Factor → you	$60	After the broker pays
Net to you		$2,910

Two things change the math more than the fee itself:

• How long your brokers take to pay matters if your fee is tiered.
• What happens when a broker short-pays or disputes matters if your contract is recourse.

Both come next.

Recourse vs non-recourse factoring

This is the most misunderstood line in any factoring contract.

Recourse factoring. If the broker does not pay, for any reason, the invoice comes back to you. Typically you buy it back, or the factor deducts it from your future advances after a set number of days. That window is often 60 to 90 days; read your contract. You carry the credit risk, and the factor advances against it.

Non-recourse factoring. The factor carries the credit risk, but read what "credit risk" means in the contract.

• In most freight agreements it covers a customer that cannot pay because it went insolvent or filed for bankruptcy within a defined window.
• It usually does not cover a customer that will not pay because of a dispute, a cargo or damage claim, a late delivery, or missing paperwork.
• It usually does not cover a load you hauled for a broker the factor never approved.

	Recourse	Non-recourse
Broker goes bankrupt	Invoice comes back to you	Factor absorbs it, if the broker was approved and the paperwork was clean
Broker disputes the load or short-pays	Comes back to you	Usually still comes back to you
Cargo or damage claim	Comes back to you	Usually comes back to you
Typical price	Lower	Higher
Broker restrictions	Looser	Tighter: only approved brokers qualify
Who should consider it	Carriers hauling for brokers they know well	Carriers hauling for many new brokers, or leaning on one big one

What to ask: "Show me the contract's definition of a credit loss or insolvency event, how long after the invoice date it applies, and which brokers are covered." If the answer is vague, assume you are buying recourse at a non-recourse price.

The cheapest protection against both is the broker credit check. Most factors run one before you book, so use it. A broker with a slow-pay history will be slow whether you factor or not.

Freight brokers must also keep $75,000 of financial security on file with FMCSA, as a BMC-84 bond or a BMC-85 trust. That is the claim of last resort when a broker fails. It is slow and partial, never a plan.

The notice of assignment: why your broker starts paying the factor

When you sign with a factor, it sends each of your customers a notice of assignment (NOA). The message is simple: from now on, pay the factor for this carrier's invoices.

That letter has teeth. Under the Uniform Commercial Code, § 9-406(a), once an account debtor (your broker or shipper) receives proper notice that the receivable was assigned, it "may not discharge the obligation by paying the assignor." In plain terms: after the NOA, a broker that pays you by mistake can still owe the factor.

That is why brokers update their payee records the moment your factor tells them to. It is also why a broker that pays you directly will ask for the money back.

What this means in practice:

• You cannot quietly stop factoring. Leaving takes a letter of release (often called an NOA release) from the old factor to every broker. The old factor will not send it until your account is settled and your contract's notice period has run.
• Most factors file a UCC-1 financing statement. It covers your accounts receivable, and sometimes all business assets. Any other lender that searches your name will see it, so read whether the lien is limited to the invoices you factor or covers everything.
• Switching factors is a buyout. The new factor typically pays off the old one, takes over the open invoices, and sends new NOAs. Ask who pays any termination fee.

None of this is bad. It is just the part of factoring that lasts longer than the fee.

What freight factoring actually costs

"Freight factoring rates" is the question every owner-operator types. The honest answer is that the number on the website is never the whole number. A quote depends on:

• the invoice amount
• your brokers' credit
• your volume
• recourse terms
• contract length

Then the add-ons arrive.

The main fee comes in one of two shapes.

• Flat fee: one percentage per invoice, no matter when the broker pays. It is simple to model. You pay the same on a broker that pays in 15 days as on one that pays in 45.
• Tiered (time-based) fee: a lower starting percentage that steps up every 10, 15, or 30 days the invoice stays open. It is cheap on fast-paying brokers and expensive on slow ones. Model it against your slowest regular broker, not your fastest.

Then the add-ons. Ask about every one in writing.

Fee or term	What to ask
Advance rate and reserve	What percent do I get up front, and when is the reserve released?
Transfer fees	Is there a charge per ACH, same-day wire, or instant payment to a card?
Fuel advance fee	If I take a fuel advance at pickup, what does it cost and how is it repaid?
Monthly minimum	Do I owe a fee if I factor less than a set dollar volume?
Invoice or processing fees	Is there a per-invoice, mailing, or document-handling charge?
Credit-check fees	Are broker credit checks free and unlimited?
Contract term	Month to month, or 6 or 12 months? Does it auto-renew?
Termination	How many days of notice, and is there an early-termination fee?
Full-turn vs spot	Must I factor every invoice from every customer, or can I choose loads?
Lien scope	Does the UCC-1 cover only factored invoices, or all receivables and assets?

Compare quotes on dollars, not percents.

1. Take last month's real invoices: every load, every broker, and how long each took to pay.
2. Run each quote against that month.
3. Add every add-on fee you would have paid.

The cheapest headline rate often loses to a slightly higher flat fee with no minimums, no transfer fees, and a 30-day exit.

Annualizing is context, not a verdict. A 3% fee on an invoice that would have been paid in 30 days works out to roughly 36% on a simple annual basis. That is the right comparison against a bank line of credit, if you qualify for one. It is the wrong comparison if the real alternative is a truck sitting idle for a week because you could not buy fuel. Every short-term product looks expensive annualized. The question is what the money earns while you have it.

Trucking factoring companies to compare

There are hundreds of freight factors, from bank-owned divisions to two-person shops. Below are four large, carrier-focused trucking factoring companies to get quotes from.

They are listed alphabetically, not ranked. Quickie has no affiliation with any of them, earns nothing if you sign, and has not tested their service. What follows is limited to what each company states on its own website, last verified October 2, 2026. None of them publishes a full fee schedule; every one of them quotes.

Company	What its site emphasizes	Recourse options	Also offers
Apex Capital	Same-day or next-day funding, 24/7/365 factoring, and blynk instant payment after invoices are purchased	Ask	TCS fuel card and broker credit checks; states no long-term contract restrictions or minimum volume requirements
OTR Solutions	"True non-recourse" factoring and instant funding 24/7/365	Non-recourse	OTR Fuel Card and OTR Clutch business banking
RTS Financial	Upload invoices in the RTS app and get paid the same day	Ask	Fuel card with truck-stop discounts, a free load board, and a factoring rate calculator (estimates only)
Triumph	Instant approval of qualifying invoices; payment within minutes to its LoadPay account on the scheduled payment date; no minimums and no reserves	Non-recourse contracts available	Choose which brokers and loads to factor, a fuel discount program, and the TriumphPay freight-payment network; part of Triumph Financial (NYSE: TFIN)

How to use this list.

1. Pick two or three.
2. Send each one the same packet: your MC number, truck count, a typical month of invoices, your main brokers, and whether you want recourse or non-recourse.
3. Ask every one the twelve questions in the next section, and get the answers in the contract, not on the sales call.
4. Compare the dollars on your month.

A few honest notes on the lanes:

• If non-recourse is the deciding factor, OTR and Triumph lead with it on their sites. Read the definition of a covered credit loss either way.
• If you want to factor only some loads, Triumph states you can choose brokers and loads. Ask the others whether they require full-turn factoring.
• If fuel is your biggest cost (it is), compare the fuel programs as hard as the factoring fee. A card you will actually use at the stops on your lanes can matter more than half a point of fee. Ask whether the fuel discounts depend on how much you factor.
• If you are on new authority, ask each factor directly whether it works with carriers in their first 90 days and what it requires. Some brokers will not load new MCs at all, and no factor can fix that.

How to choose a factoring company: 12 questions for owner-operators

Ask all twelve and write the answers down. If a rep will not put an answer in writing, you have your answer.

1. What is my fee, exactly: flat or tiered, and on what invoice amount? Get the schedule for every tier.
2. What is the advance rate, and is there a reserve? When and how is the reserve released?
3. What does each payment method cost? ACH, same-day wire, and instant payment to a debit card or app wallet.
4. Is this recourse or non-recourse, and what is the written definition of a covered loss?
5. After how many days does an unpaid invoice come back to me (the recourse period), and how is it charged back?
6. Do I have to factor every load from every customer, or can I spot-factor?
7. Is there a monthly minimum volume or minimum fee?
8. How long is the contract, does it auto-renew, and what does it cost to leave? Ask for the notice period, the termination fee, and how long the release letter takes.
9. What does your UCC-1 cover? Factored invoices only, all receivables, or all business assets?
10. Does your contract restrict other financing? Many do. You need to know before you take an equipment note, a loan, or working capital.
11. What do fuel advances cost, and how do the fuel discounts actually work? Are they tied to how much I factor?
12. Who handles collections and disputes with my brokers, and how am I notified? A factor's collections style reflects on you with your brokers.

Bonus question if you are switching: who pays the old factor's termination fee, and who handles the buyout of open invoices?

Freight bill factoring vs quick pay vs fuel advance vs spot factoring

These are four ways carriers get paid faster, and they solve different problems.

Option	What it is	Best when	Watch out for
Freight bill factoring (full-turn)	A factor buys all your invoices and collects from your brokers	You want steady, predictable cash on every load plus back-office help	Contract terms, minimums, lien scope, and exit notice
Spot factoring	You factor selected invoices only	Most brokers pay fine and a few are slow	Per-invoice pricing is often higher, and not every factor offers it
Quick pay	The broker pays you early for a fee, with no factor involved	You haul mostly for one or two brokers with good quick-pay programs	The broker sets the fee and it varies; it only works with that broker, load by load
Fuel advance	Part of the load pay advanced at pickup, usually by your factor or broker	Fuel is the immediate gap on a long haul	It is deducted from the invoice, and fees vary

Plenty of carriers mix them. For example: quick pay with their best broker, spot factoring for the slow one, and cash in the bank for everything else. You do not need a full-turn contract to get paid faster on a single relationship.

What factoring does not cover

This is the gap that bites carriers who factor every load and still run short.

Factoring advances against invoices. It cannot advance against:

• a week you did not haul
• a bill that is not tied to a load
• a cost that arrives before the freight does

And the costs that come without an invoice are the ones growing fastest.

The American Transportation Research Institute's 2026 operational-costs update found:

• The average marginal cost of operating a truck hit a record $2.336 per mile in 2025, up 3.4%.
• Non-fuel costs rose 4.2% to $1.854 per mile.
• Repair and maintenance alone rose 8.6%.
• Truckload and refrigerated carriers ran operating margins under 1%, and flatbed margins were slightly negative.

At those margins, one surprise bill decides the month.

The bills factoring will not pay for:

• Repairs and tires. A roadside repair or a set of steers does not wait for the next invoice, and a truck in the shop earns nothing to factor. That is the double hit: the bill arrives in the same week the revenue stops.
• Form 2290 (heavy highway vehicle use tax). It is owed on vehicles at 55,000 pounds or more taxable gross weight.
  • The tax period runs July 1 through June 30.
  • The return is due by the last day of the month after the month of first use. For a truck on the road in July, that is August 31.
  • Vehicles used 5,000 miles or less in the period (7,500 for agricultural vehicles) can be filed as suspended.
  • You need the stamped Schedule 1 for registration.
• IFTA. Fuel tax returns are filed quarterly with your base jurisdiction. They are due the last day of the month after each quarter ends: April 30, July 31, October 31, and January 31. A quarter of heavy miles in high-tax states can mean a real check.
• Insurance down payments and renewals. Commercial auto renewals often want money up front. The advance on Tuesday's load does not line up with the insurer's deadline on Friday.
• Deadhead and slow weeks. No load means no invoice and no advance. Post-holiday freight droughts and seasonal lulls are when fixed costs show up anyway.
• Startup costs on new authority. Plates, IRP, the UCR filing, insurance, and the first tank of fuel all come before the first invoice exists.
• The factor's own chargebacks. On a recourse contract, a broker that does not pay comes back to you as a deduction from future advances, exactly when cash is tightest.

None of those is a reason not to factor. They are reasons not to treat factoring as your entire cash plan. Factoring fixes when you get paid on a load. It does not fix the gap between what the business spends and what it earns in a bad week.

Trucking business loans and funding: which tool fits which gap

"Trucking business loans" covers very different products, so match the tool to the gap.

Gap	Tool that fits	Typical speed	Notes
Waiting on broker invoices	Freight factoring or quick pay	Same day to next day after paperwork	Priced per invoice; read the lien and exit terms
Buying a truck or trailer	Equipment financing	Days to weeks	The equipment secures it; down payment and credit matter
A large, planned investment you can wait on	Bank or SBA loan	Weeks to months	Lowest cost if you qualify; needs returns, time in business, and credit
Revolving, repeatable gaps	Business line of credit	Days to weeks	Draw and repay; hardest for new authorities to get
Repair, 2290, insurance, or a slow week, needed now	Short-term working capital	Decided in minutes to a day for qualified files	Sized to your deposits; compare total payback, not just speed

Truck repair loans and semi truck repair financing usually fall in the last row:

• The repair shop will not wait for an SBA package.
• An equipment lender will not finance a transmission rebuild on a truck it does not own.
• What the shop needs is cash this week, sized to what the business can repay out of next month's freight.

The working capital vs line of credit and invoice factoring vs working capital comparisons break the choice down further.

Where Quickie fits, and where it does not

Quickie is not a factoring company.

• We do not buy your invoices.
• We do not send your brokers a notice of assignment.
• We do not sit between you and your customers.

Your factor keeps doing what it does.

What a standard Quickie offer is:

• $500 to $10,000 of short-term working capital.
• A commercial purchase of future receivables, not a consumer loan.
• You apply online and connect the account where your freight money lands. The decision comes from your actual deposits, decided in minutes and funded as soon as the same day for qualified files.
• The remittance is collected weekly and sized to your sales. Pricing and payments are based on your sales.
• The written offer shows the total payback and the 7.5% origination fee (withheld at funding) before you sign.
• Repeat customers in good standing can qualify for more over time.

For bigger fleet needs, such as a down payment on equipment, a second terminal, or a large insurance renewal, Quickie Prime takes one application for $10,000 to $1,000,000. It brings back offers from Quickie and its lending partners.

On a trucking file, the money goes to the jobs factoring cannot do:

• the repair that keeps the truck earning
• the 2290 or IFTA check
• the insurance down payment
• the slow week between good ones

Three things to know if you factor:

• Your factor payouts read as freight revenue. On our desk, deposits from a freight factor or freight-payment network read as what they are: money from your customers, net of the factor's fee. They are not treated as a loan you owe back. The desk does not read your rate cons; it reads your deposits.
• Disclose your factor up front. Our agreement asks every business to disclose any factoring facility and not to open a new one during the term without our written consent. Many factoring contracts have their own limits on other financing, so read yours first. A funder that finds an undisclosed factor on the statement will treat it as a surprise, and surprises do not help a file.
• Size it to the account after the factor's take. The question is never what your gross invoices were last month. It is whether the account can carry one more weekly payment after fuel, insurance, the truck note, and the factor's fee, on a slow week rather than a good one.

Our agreement includes an owner guaranty and a security interest in business assets with a UCC-1 filing. We do not take a pledge of real estate. The full terms are on the offer and in our disclosures. Subject to underwriting. Not available in all states.

For the trucking-specific overview, see trucking and logistics funding or the funding page for truckers.

What our trucking files actually showed

Trucking gets treated as a high-risk vertical across business funding. Our own book does not back that up.

Quickie's 2026 funded book covers 580 small businesses funded from late July through September 7, 2026. Of those, 468 matured enough to judge, and trucking and transport was one of the larger industries.

Segment	Matured files	Ever needed collections	First-payment default
Trucking & transport	47	34%	17%
Whole book	468	38%	about 16%
Restaurant & food	62	39%	19%
Construction	25	44%	12%
Professional services	112	44%	16%

Quickie funded book, 468 matured files. "Ever needed collections" includes files that recovered. Read segments under 50 files as directional.

Trucking ran below the book on trouble and roughly at the book on first payments. In September 2026 we recalibrated our industry scoring on these numbers and removed the risk adjustment that used to apply to trucking. The full study, with cuts by cash cover, balance, credit score, and state, is in small business cash flow benchmarks 2026.

What separated trucking files that paid from those that fell behind was the same thing that separated every file:

• Cash cover on decision day. Across the book, files where the weekly payment was more than the cash in the account needed collections 59% of the time. Files with ten or more weeks of cover ran 23%. A carrier with the factor's last payout still in the account is a different file from one that spent it on fuel the same afternoon.
• Taking more than the numbers supported. Files funded at 80–100% of what the underwriting supported ran 15% troubled. Files pushed to 150% or more ran 46%. Ask for the repair bill, not a round number.
• Lumpy deposits are normal; empty accounts are not. Factor payouts often land a few times a week in uneven amounts, and that reads fine. What reads badly is the same money leaving within hours, every time.

One quirk worth knowing: bank-data aggregators sometimes rebuild balance history in a way that creates negative days the bank never recorded. In one trucking file from our September 2026 audit, the feed showed 67 negative days, while the bank's own statements showed none.

If a funder declines you over negative days you know you did not have, ask them to read the statement ending balances. How to prepare bank statements for underwriting explains what to send.

A worked month: one truck, factoring every load

Here is how factoring and working capital fit together for a single-truck owner-operator. These are illustrative numbers, not a quote or a promise of any offer.

The truck. Four loads a week at about $2,500 each, so $10,000 a week in invoices. Factored at an illustrative flat 3%, net load pay after the fee is about $9,700 a week. It arrives a day or two after each delivery.

A normal week. Out go fuel, the insurance installment, the truck note, phone, ELD, tolls, and the owner's own pay. The account breathes, and factoring means it never waits 30 days.

The week it breaks.

• Tuesday, the truck goes down 300 miles from home. Tow and repair come to $4,200.
• Three days in the shop means two loads not hauled: about $5,000 of invoices that never get created, so they can never be factored.
• The same week, the quarterly IFTA return is due.

Factoring's answer: advances on the two loads you did haul. That is all it can do.

What fills the gap: cash in the bank first, always. If the cash is not there, a short-term working-capital advance covers the bill while the truck gets back to earning. Size it to the repair, not a round number, and to what the account can carry. On a qualified file, the remittance is set from what the deposits can carry on a slow week, which is exactly the week you are in.

The rule of thumb. Keep enough cash for one surprise repair plus one slow week. When you cannot, borrow for the specific bill, sized to the account after the factor's take. Do not borrow against the best month you ever ran.

Red flags in a factoring contract

Walk away, or negotiate hard, if you see:

• An "evergreen" term that auto-renews for another year unless you give notice in a narrow window.
• A termination fee calculated on projected volume for the rest of the term.
• Monthly minimums you cannot hit in a slow season.
• A non-recourse label with a definition of covered loss so narrow it almost never applies.
• A lien on all business assets when you only want to factor invoices, plus a clause barring all other financing.
• Fee language that is not a number, such as "service fees as applicable" or "administrative charges."
• A requirement to factor every customer, including direct shippers who already pay you in 15 days.
• No written answer to how long a release letter takes when you leave.

A good factor will answer every one of these in writing without being asked twice.

Sources & methodology

Factoring practice. The mechanics, contract terms, and twelve questions reflect common freight-factoring practice and the documents we see on trucking files. They are not legal advice; your contract controls.

Companies. Descriptions are limited to what each company states on its official website, last verified October 2, 2026. Quickie has no relationship with any factor named and has not tested their service.

Illustrative numbers. These are rounded examples, not quotes or offers from any company, including Quickie.

Industry outcomes. These are aggregates from Quickie's own funded book: 580 businesses funded from late July through September 7, 2026, of which 468 matured (at least one weekly remittance due) and 47 were in trucking and transport. No merchant is named.

Quickie terms. Product terms are current policy as of October 2, 2026. The written offer controls. Approval is never guaranteed.

• ATRI — Analysis of the Operational Costs of Trucking, 2026 update — 2025 cost per mile, non-fuel and repair-and-maintenance increases, and operating margins by sector.
• IRS — About Form 2290, Heavy Highway Vehicle Use Tax Return — weight threshold, tax period, due dates, and suspended-vehicle mileage limits.
• Cornell Law School LII — UCC § 9-406 — discharge of an account debtor after notice of assignment.
• International Fuel Tax Agreement (IFTA, Inc.) — the quarterly fuel-tax reporting framework.
• Official websites: Apex Capital, OTR Solutions, RTS Financial, Triumph.
• Quickie — small business cash flow benchmarks 2026 and current product disclosures.

A direct answer, for you and for anyone summarizing this

What are trucking factoring companies, and how do I choose one?

A trucking factoring company buys a carrier's delivered-load invoices and advances most of the amount within a day or so. It then collects from the broker or shipper on their terms and keeps a fee.

Choose by comparing the full written terms against one real month of your invoices:

• flat or tiered fee
• advance and reserve
• transfer and fuel-advance fees
• minimums, contract length, and termination
• lien scope
• the written definition of non-recourse

Apex Capital, OTR Solutions, RTS Financial, and Triumph are four large carrier-focused factors to quote side by side.

What does freight factoring not cover?

Anything that is not a delivered invoice: repairs, insurance down payments, Form 2290, IFTA, startup costs on new authority, and weeks the truck does not haul. ATRI put 2025 operating costs at a record $2.336 per mile, with repair and maintenance up 8.6% and margins under 1% for truckload carriers.

Short-term working capital sized to your deposits is the tool for those gaps. Quickie offers $500–$10,000, decided in minutes for qualified files, and is not a factoring company. Not available in all states.

Keep going

• The trucking overview: trucking and logistics funding and funding for truckers
• The day-to-day cash plan: the owner-operator trucking cash-flow playbook
• Choosing the tool: invoice factoring vs working capital and same-day business funding
• Speed when a repair can't wait: emergency business funding
• The data behind this page: small business cash flow benchmarks 2026

If the truck is down or a tax bill is due this week, factoring will not reach it. Apply with the account your factor pays into, and let the deposits answer.