We are listing out the best factoring companies in the USA, here.
We are listing the top 4 best factoring companies that you can avail yourself services at the most affordable rates
The trucking industry works on trust, a broker gives a trucker loads, and after it’s been hauled the broker makes the driver or owner operator wait for 30. 45 or 90 days for payment of trucking invoices.
In this situation, a trucker/ owner-operator needs to get cash for the trucking bills he has worked to generate. If you don’t get cash then, there could be a cash flow or working capital issue.
Because every trucking company has many expenses, overheads, and payments that an owner-operator needs to pay, day in and day out.
Cash is King in the trucking industry so a trucker can exchange the ownership of his bills/invoices with a factoring company to get cash for his invoices. The factoring company discounts the bills @ 1% to 5% on average and gives you the driver rest of the cash.
There are many things that you need to evaluate before entering into a contract with a factoring company. You need to see if there is a contract period, hidden charges, escrow, termination fee, etc.
So that next time you think of factoring in your invoices, you could make an informed choice. Please go through the best factoring companies for trucking in the USA to make an informed choice.
A detailed review of the best factoring companies for truckers in the USA:

1. MaxTruckers Factoring Consultation
4.7/5 Rating in TrustPilot, Multiple proposals
MaxTruckers provide free fuel cards, factoring consulting, insurance consulting, paid business development, and dispatch services for truckers/ owner-operators.
MaxTruckers delivers you a minimum of 6 proposals from the top 3 factoring companies based on your business nature.
MaxTruckers gives you a personal factoring agent (MaxTrucker buddy), who will understand your business and provide you with A-class quality factoring consultancy.
You will find them knowledgeable, helpful, and solution-oriented, Max Trucker buddies are a very good value add for your business. You can raise your queries, apprehension, and doubts and get it expertly answered in no time.
FEATURES:
REASONS TO USE
REASONS TO AVOID
Special Bonus:
GET Complimentary MaxTruckers Start-Up Kit Worth $500 on signup
- FREE Fuel Card that Saves an Average of 37 Cents Per Gallon (Guaranteed)
- 30 Days FREE DAT Load Board, the largest marketplace for freight loads and trucks, over 600,000 loads/day
- FREE List of 300 Brokers, VERIFIED brokers who work with new owner-operators.
- MaxTruckers Referral Program – Refer a friend for factoring, and earn $150 per referral. Earn $1000+ extra income per month.
- FREE Knowledge Resources – Get access to MaxTruckers knowledge resources that can help you to GROW your business FAST.
VERDICT:
Our research revealed that the factoring companies recommended by MaxTruckers are Pre-Verified, 100% Trustworthy and give 100% Excellent Feedback. MaxTruckers provides verified and affordable factoring plans for owner-operators.
If you select MaxTruckers as a factoring provider, you get 6 customized proposals from 3 factoring companies. They have made their mission to support and grow small trucking businesses and owner-operators.

2. Nfusion capital
Ideal for recourse factoring
Nfusion capital offers factoring advances up to 97%, it is specialized in providing factoring for trucking owners, fleets, and owner-operators who are undercapitalized and underserved by the banking system.
Nfusion is Austin, TX-based company that funds trucking companies by factoring in their invoices. They are easy to sign-up with, they have same-day funds approval. They provide both recourse and nonrecourse factoring. They have a fully online document management system and easy upload of your freight docs.
FEATURES:
REASONS TO USE
REASONS TO AVOID
VERDICT:
During our thorough review we found that Nfusin has these benefits:
1.5% to 3.0% discounts per invoice on a 30-day basis
No minimum amount of invoice to be factored or not all bills need to be factored
Online invoice submission and reporting system.
The factoring program has no contract period, no factoring limit, and zero termination fee, so it’s beneficial and congenial for owner-operators.
They offer your trucking company a custom fir solution because it tries to understand your specific cash flow requirements.

3. ACSFactors
Month on Month contract, ideal for nonrecourse
ACS factors are one of the best factoring companies for trucking. They infuse small truckers and fleet owners with working capital. They turn truckers’ accounts receivable into cash.
ACS is a small business with 40 years of experience in helping, understanding, and supporting small trucking businesses.
ACS factors provide timely services like easy invoice factoring; free online credit checking, immediate credit approvals; quality customer service, receivable management services, and flexible capital access.
FEATURES:
REASONS TO USE
REASONS TO AVOID
VERDICT:
ACS factors give trucking businesses working capital in the form f nonrecourse factoring.
ACS factors provide these benefits to small businesses:
Instant Access to working capital/cash by factoring your Accounts Receivable:
- Achieve a fast business pace
- Credit Checking on New and Existing Customers
- Credit Guarantees on Factored Invoices
- Professional, Experienced and Courteous Staff
- No Long Term Commitments
- Simple, No Fee Application
No contract period, no factoring limit, and zero termination fee make ACS factors a good company to work with for your factoring need.

4. QP Capital
Fuel line of credit $2500 per week
QP capital has a no-nonsense and gimmick-free factoring program, they provide you with recourse and nonrecourse. QP capital is the best factoring company for trucking.
You as an owner-operator/ fleet owner don’t have to wait. Here you factor your invoices and get payments instantly after load verification.
QP Capital gives(Recourse, Non-Recourse, and Pure Non-Recourse) factoring.
In a pure non-recourse program, you deliver the pure load and later pure paperwork, you don’t have to worry, payment will be taken care of.
Whether it is insurance, dispatching, licenses and permits, broker relationships, maintenance, and repairs, acquiring direct shippers, tracking costs, or accounting, QP capital has resources to help your transportation/trucking company succeed.
Another benefit of factoring with QP is that it provides the largest fuel card network in the USA, with about 2600 locations.
FEATURES:
REASONS TO USE
REASONS TO AVOID
VERDICT:
QP capital helps many businesses to startup, grow fast, and profitably operate without taking on debt.
While reviewing top factoring companies we found that truckers/ owner-operators gain from QP’s factoring plans because there are no factoring limits, no contract period, and last but not least zero termination fee. Below are the benefits of the contract with QP.
- Super uncomplicated terms.
- Flat fee system with no hidden fees.
- No long-term contracts and no minimums limits you must meet.
- Factor what you want, when you want it?
- When you want to terminate the factoring relationship with QP, they make your exit or transition as easy and seamless as 123.
Because of the ease of doing business, zero termination fee, no hidden charges, uncomplicated contract term, ease of access for small businesses, and zero predatory practices, we recommend QP capital for truck factoring