Factoring Services at Truck Smarters LLC

Efficient. Flexible. Tailored to Your Business Needs.

At Truck Smarters LLC, we understand that cash flow is the lifeblood of your business. That’s why we offer comprehensive freight factoring services for companies in the trucking industry. As a trusted third-party provider, we facilitate seamless factoring setup with industry-leading companies to ensure you get fast access to the funds you need without the wait.

†For the first 90 days after onboarding; 2.5% after. Complete onboarding by 3/31/2025 to qualify. Subject to approval. Terms apply.

What Is Freight Factoring?

Freight factoring is a financial service where trucking companies sell their unpaid invoices to a third-party factoring company in exchange for immediate cash. It helps businesses maintain cash flow while waiting for payments from clients, reducing the burden of late payments and offering faster working capital.

Why Choose Truck Smarters LLC for Factoring Services?

At Truck Smarters LLC, we work as a bridge between you and the best factoring companies in the industry, ensuring you get the most beneficial terms. Here’s why we stand out:

Flexible Terms

We work with a range of factoring companies, offering flexible terms tailored to your business requirements.

Fast and Simple Process

We handle the paperwork and ensure that your factoring setup is quick and hassle-free, providing immediate funding when you need it.

No Hidden Fees

Transparency is key. We ensure you understand all fees and terms upfront, so you can make informed decisions.

Nationwide Reach

We offer factoring services to trucking businesses across the United States, ensuring you’re covered no matter where you’re based.

Our Trusted Factoring Partners

We collaborate with industry leaders to ensure you receive the best service. Some of our top factoring partners include:

OTR Solutions

Why Choose OTR Solutions?

OTR Solutions offers competitive rates and a seamless funding process. They focus on non-recourse factoring, meaning you pass off the liability for non-payment, protecting your business from financial risks.

Jon H
Jon HOwner-Operator
OTR Solutions is fast, reliable, and cost-effective. Their service has helped me keep cash flow consistent.
Rebecca P
Rebecca PFleet Manager
Their mobile app and client portal make factoring so easy. I highly recommend them.

Triumph Financial

Why Choose Triumph Financial?

Triumph Financial stands out for its flexibility and comprehensive service offerings. Their ability to tailor contracts to fit the needs of trucking companies, along with excellent customer service, makes them a top choice.

David T
David TBusiness Owner
Triumph’s customer service is top-notch. They helped me get set up quickly, and their terms are flexible
David T
David TBusiness Owner
Triumph’s customer service is top-notch. They helped me get set up quickly, and their terms are flexible.

Apex Capital

Why Choose Apex Capital?

Apex Capital is a trusted name in the factoring industry with a long-standing reputation for providing personalized service and financial solutions. They provide factoring services with a focus on reliability and transparency.

Ryan L
Ryan LFleet Owner
Apex has been great for my business. They’re always responsive, and I feel confident in their services.
Sophia K
Sophia KOwner-Operator
The application process was straightforward, and their service is reliable.

TBS Factoring Service

Why Choose TBS Factoring?

TBS Factoring is known for transparent rates and terms. Their long-standing presence in the industry ensures they are a trusted partner, offering solutions for both small and large trucking operations.

Ryan L
Ryan LFleet Owner​
"TBS made the factoring process easy and clear. I appreciated their transparency in explaining everything."​
Sophia K.
Sophia K.Owner-Operator
The application process was straightforward, and their service is reliable.

eCapital Freight Factoring Inc.

Why Choose eCapital?

eCapital stands out with an advanced online platform and a variety of funding options. While there may be occasional delays, the flexibility and diverse options they provide make them a great choice for businesses of all sizes.

 James F
James FFleet Manager
"eCapital’s online portal is easy to use, and their variety of funding options gives me flexibility."​
Lisa D
Lisa DOwner-Operator
"Although there were some delays, their customer service was quick to resolve them."​

RATES AS LOW

AS 1.9% † 2.5%

For 90 days, you can factor with us at 1.9%. Afterward your rate will change to 2.5% and we’ll work with you in the future to lower your rate as your invoice volume increases.

†For the first 90 days after onboarding; 2.5% after. Complete onboarding by 3/31/2025 to qualify. Subject to approval. Terms apply.

How Truck Smarters LLC
Can Help You Set Up Factoring Services

Our team at Truck Smarters LLC will guide you through the entire process of setting up factoring services with our trusted partners. Whether you’re new to factoring or looking to switch to a new provider, we’ll ensure a smooth transition with:

Free consultation

We’ll assess your needs and recommend the best factoring solutions for your trucking company.

Custom factoring plans

We work with you to find the most flexible terms and competitive rates that fit your cash flow requirements.

Quick setup

We streamline the process to get you started with factoring services quickly, ensuring you receive the cash you need to keep your business moving.

Get Started Today

If you’re looking for reliable, flexible, and transparent factoring services for your trucking business, Truck Smarters LLC is your trusted partner. Contact us today to find out how we can help you set up factoring services with the best companies in the industry and keep your business running smoothly with better cash flow.

Click. Click. Cash.

Paydays are just seconds away–even on weekends and holidays. In fact, we pay 50% of our invoices within 2 hours, ensuring you can collect payment swiftly, without hassle.

1

Scan your docs

Take a clear photo of your rate con and POD with our in-app scanner and we’ll generate and manage your invoices.

2

Get paid fast

The second your invoice is cleared, we’ll deposit payment to your TruckSmarter Checking Account with FDIC-Insurance*** on deposits through our banking partner Thread Bank, Member FDIC.

The TruckSmarter Visa debit card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.

3

Spend. Save.

Earn interest.

Use your TruckSmarter Card anywhere Visa is accepted or keep money in your account and earn 2.65% APY!**

Cut your #1 cost.
Compound savings.

Save $1000s at the pump yearly with fuel discounts plus $100s more with extra fuel savings for drivers who factor with us.

Where ever you go

Factor a load, however you like! On both mobile and desktop, you can get paid fast, track payments, and contact our support team with ease.

Desktop

Mobile

Free money management tools

Build, manage, and grow your profit with a free suite of banking tools to help you earn, spend, and save smarter.

Track expenses & revenue

Set, adjust, and hit your savings goals with a breakdown of where you spend your money and insights into your transactions.

Factoring advances

Drivers who factor with us can now request a factoring advance directly from the app. Get paid up to 50% immediately after pick up.

TruckSmarter Debit

Use your TruckSmarter Debit Card anywhere Visa is accepted and get free withdrawals at 55K ATMS.

Earn 2.65% APY**

Factor with us and watch your money make money in the high-interest bearing TruckSmarter Checking Account.

FDIC-insurance*** on deposits

Keep your money safe in the TruckSmarter Checking Account! Your funds are FDIC-insured up to $3,000,000*** through our banking partner Thread Bank; Member FDIC

Fuel discounts

Factor with us and get extra fuel savings on top of the listed TruckSmarter Fuel Discount. Plus you may be eligible for Fuel Line of Credit.

non-recourse Protection

This means if a broker goes bankrupt before paying you, we take the hit so you and your business can keep moving.

3.7K+ APPROVED BROKERS

When you factor with us, you work with vetted, trustworthy
freight brokers.

Free broker credit checks

To ensure you’re working with trusted partners, we only factor loads from brokers we’ve vetted through a free credit check.

Factorable label

To make it easy to spot the load boards for brokers we factor with (who passed a credit check), we tag them as “Factorable.”

Request a broker

Have a broker you love to work with? Request them in the app and we’ll conduct a free credit check instantly.

No Hidden fees. Ever.

Freight factoring for your trucking business is straightforward with TruckSmarter. When you factor with us, you don’t have to worry about upload fees, cancellation fees, reserves, minimums, or obligations.

STUCK IN A FREIGHT FACTORING CONTRACT?

We can help you out of it, even if you have outstanding invoices. Switching factoring companies can be complicated, but our team will walk you through it.

Contact Us