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 and fund the invoice amount, minus our flat factoring fee, with no reserve held back.
How Freight Factoring Works
Deliver the Load
Complete the delivery as agreed with your broker or shipper.
Send Invoice and Paperwork
Submit your invoice, rate confirmation, BOL, and required documents.
We Verify and Fund
Once approved, we fund the invoice amount minus our flat factoring fee. No reserve is held back.
Your Customer Pays Us
Your broker or shipper pays Flint Hills Funding directly when the invoice comes due. You have already received your funding.
Why Carriers Use Factoring
- Improve cash flow
- Cover fuel, repairs, and operating costs
- Reduce waiting on customer payment
- Keep trucks moving and revenue steady
What You Need
- Completed freight invoice
- Rate confirmation
- Signed BOL or POD
- Basic carrier and business information
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.