Freight Factoring for Owner-Operators and Small Fleets

Turn approved invoices into working cash. Get paid faster without waiting for brokers or shippers to pay.

Flint Hills Funding helps trucking businesses keep cash moving after completed loads. We review the invoice, advance a portion upfront, and release the remaining reserve after your customer pays.

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Freight truck on the road

How Freight Factoring Works

1

Deliver the Load

Complete the delivery as agreed with your broker or shipper.

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2

Send Invoice and Paperwork

Submit your invoice, rate confirmation, BOL, and required documents.

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3

We Verify and Fund

We review the invoice, approve it, and advance up to 90% of the value.

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4

Reserve Released After Payment

When your broker or shipper pays, we release the reserve, less our fee.

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Why Carriers Use Factoring

  • Improve cash flow
  • Cover fuel, repairs, and operating costs
  • Reduce waiting on payment
  • Keep trucks moving and revenue steady

What We Review

  • Broker credit and payment history
  • Documentation quality
  • Carrier business and operating details
  • Payment risk and overall exposure

You Stay in Control

  • You book the loads
  • You choose your brokers
  • You run your business
  • We help you get paid faster

Factoring is based on completed work and approved invoices — it is not a loan.

There is no debt added to your balance sheet and no obligation beyond the invoice being factored.