Freight Factoring Turns Delivered Loads Into Working Cash

Freight factoring solves a common challenge for trucking companies: waiting 30, 45, or even 60 days for brokers and shippers to pay. With Flint Hills Funding, approved carriers can receive payment for completed loads, minus a flat factoring fee, as soon as the next business day after invoice approval and verification.

Designed for Freight

Our product was built to support American truckers. We service owner-operators, new carriers, and small fleets with products tailored specifically for freight.

No Long Contracts

We believe in providing a quality of service that keeps your business running. We will never lock you into a multi-year agreement with no flexibility.

No Hidden Fees & Competitive Pricing

What you see is what you get. Our pricing is simple, transparent, and easy to understand — with affordable flat rates, no origination fees, and no ACH fees.

Freight factoring built for owner-operators and small fleets.

Move Freight. Get Paid Faster.

Fast funding, transparent pricing, and real people who understand trucking. Focus on the road. We’ll handle the cash flow.

Get Started Today How It Works

Member of the International Factoring Association

Get Funded in a Few Simple Steps

Once your carrier account and broker setup are approved, getting paid is fast and straightforward. Submit your invoice documents and, after approval and verification, receive your funds as soon as the next business day.

Get Started Today →

1

Get in Contact

Reach out so we can learn about your business and walk you through the process.

2

Onboard

Share your basic carrier information and verification documents so we can get your account set up.

3

Submit Your Invoice

Upload the invoice, rate confirmation, and signed BOL/POD after delivery.

4

Get Paid

After approval and verification, receive the invoice face value, minus our fee, as soon as the next business day.

MANAGE YOUR BUSINESS ANYWHERE

Flint Hills
Funding App

Check broker credit before you haul, submit invoices, and track payments — all in one place. The Flint Hills Funding app puts the tools you need to manage your factoring right in your pocket.

Broker Credit Checks

Check your broker before accepting a load.

Submit Invoices

Upload invoices quickly from anywhere.

Track Payments

Monitor invoice and funding status.

Explore the Client App Client Login

Flint Hills Funding mobile factoring app dashboard showing invoice management and account overview

FAQ

Frequently Asked Questions

Get quick answers to the most common questions about freight factoring, our process, and how Flint Hills Funding helps trucking companies get paid faster.

What does Flint Hills Funding do?

Flint Hills Funding helps trucking companies improve cash flow by purchasing approved freight invoices. Carriers receive the invoice amount upfront, minus our flat factoring fee, with no reserve held back.

What is freight factoring?

Freight factoring is a way for trucking companies to get paid faster on delivered loads. Instead of waiting 30, 45, or 60 days for a broker to pay, a factoring company advances funds on approved invoices and collects payment from the broker later.

What documents do I need to get started?

To begin carrier verification, we typically review your MC/DOT information, W-9, certificate of insurance, business information, and owner or authorized signer ID. When you are ready to fund an invoice, we also review the invoice, rate confirmation, and signed BOL/POD.

How fast can I get paid?

Approved invoices can be funded as soon as the next business day after approval and verification.

Does Flint Hills Funding charge ACH fees?

Flint Hills Funding does not charge a standard ACH fee. Your bank or financial institution may have its own fees depending on your account setup.

Does Flint Hills Funding offer broker credit checks?

Flint Hills Funding offers instant broker and shipper credit checks through our client app. Verify creditworthiness in real time before accepting a load, so you can make informed decisions and haul with confidence. Learn more about our app.

How can I get in contact?

You can reach out through our contact page, and we’ll help with broker checks, onboarding questions, or next steps.