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On-demand Freight Factoring

Cash per invoice for independent carriers.

"It's the easiest way to get paid for loads without the wait. The platform is smooth and one of the easiest I've ever dealt with. I'm never left wondering about an invoice because I'm able to see everything PayTruck is doing to make sure it gets paid."

Shannon

"PayTruck handling the billing and receivables in the background has freed up my time to focus on growing my business. It's rare to find someone who works like a partner and cares about getting the details right, so I can stay focused on the big picture."

Robert

"My broker referred me to PayTruck because I could fund my invoices one load at a time and still bill and do quick pay myself whenever I wanted. I like how PayTruck keeps me in control, and actually cares about what they're doing."

Jared

Thinking about funding an invoice?

I'm real, and I answer.

Josh H · Founder/Owner

I brokered freight for 8 years. PayTruck™ is what I'm doing now.

With PayTruck™, You're Not Stuck With...

✕ Yearly/Monthly Contracts

Freely start and stop without worrying about auto-renewals or cancel periods.

✕ Volume Commitments

Use it for one load a year or as many loads as you want whenever you want.

✕ Every Invoice

UCCs and NOAs are per-load per-broker, so you are still able to bill brokers directly.

✕ Chargebacks

If brokers pay after 90 days, or do not pay, you keep the advance without extra charges.

✕ Hidden Fees

The rate you pay is all-in, non-recourse included. It stays flat and never changes.

✕ Penalties

If a load has a dispute, claim, or error, we help solve it instead of making you pay for it.

Here's inside PayTruck™

Sign up for an account

What you do to sign up for an account.

Activate an account

What you do to activate an account.

Submit load for funding

What you do to submit a load for funding.

A tour of the account

What you do in the account once you are in.

How PayTruck™ Works

  1. 1
    Submit a Load: Pick a completed load and upload the signed rate con, BOL, and POD.
  2. 2
    We Verify It: We check the broker's credit and payment history, and confirm the load with the broker.
  3. 3
    Get Your Advance: Once these clear, your 80% advance is sent same day by free ACH to your own bank account.
  4. 4
    We Do the Chasing: We track the invoice, follow up with the broker, and you can see every update in your portal.
  5. 5
    Get Your Balance: When the broker pays, your 16.5% is sent same day by free ACH to your own bank account.

So for a $1,000 load invoice, it works like this:

  • 80% now
  • 16.5% later
  • 3.5% after
  • ⚡ You get $800 (80%) when your load verifies:
    This comes out of our pocket to help cover the hard operating costs to keep your truck on the road.
  • 💰 You get $165 (16.5%) when the broker pays:
    We don't lock your money in a "reserve fund." It goes straight to you when the invoice is paid.
  • 🛡️ We get $35 (3.5%) only after you get paid:
    If a broker does not pay, you keep the $800. We take the hit. We don't get paid, and we don't charge it back.