Freight Factoring for Owner-Operators

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.

Get Started View Rates & Fees
Straightforward Freight Factoring
Up to 90%
Advance Receive up to 90% of approved invoice value upfront.
Next Day
Fast Funding Funding available as quickly as the next business day.
$0
ACH Fee No additional ACH funding fee.
Clear terms. No unnecessary complexity.

How Freight Factoring Works

1

Deliver the Load

Complete the delivery as agreed with your broker or shipper.

›
2

Send Invoice and Paperwork

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

›
3

We Verify and Fund

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

›
4

Reserve Released After Payment

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

Cash Flow

Why Carriers Use Factoring

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

What You Need

  • Completed freight invoice
  • Rate confirmation
  • Signed BOL or POD
  • Basic carrier and business information
Invoice Eligibility

What Makes an Invoice Eligible

  • The load has been completed
  • The broker or shipper meets our credit standards
  • Required documentation is complete
  • The invoice has not already been sold or assigned elsewhere

Factoring is based on completed work and approved invoices.

Flint Hills Funding purchases eligible freight receivables so carriers can access cash sooner instead of waiting for customer payment.