Call Now: (866) 420-3018

Small Carrier Factoring - Cash Flow is the Lifeblood of Your Business

Carefully plan to have cash on hand when you need it... Don't get stuck at the pump or lose drivers by not paying them on time. Many small businesses underestimate the impact of a slow paying invoice, but that extra thousand dollars could make the difference between getting that driver to the next load or spending the weekend on the telephone trying trying to figure out how to pay for fuel. Your business may have paper profits with large account receivables balances, but without cash, the business could fold before these bills are collected.

Pay4Freight.com helps small carriers thrive by ensuring they have access to cash when they want it... Most banks are unwilling to offer working capital loans to small trucking companies unless they have several years of history. But these businesses have the greatest need during the first 2 years in business. Pay4Freight.com offers a factoring service at highly competitive rates. What's more important is that Pay4Freight.com pays on these invoices faster than anyone else in the small carrier financing industry. A small carrier can expect to fax in an invoice on a Friday morning, and receive cash that afternoon. No one else offers this unique service. They'll require you to send your documents in the mail if you want their version of same day pay.

Our program doesn't require you to factor every customer with us... We've designed our program to help you grow up and out. That means we fully expect you to eventually factor fewer loads as your business becomes stronger and more stable. But we'll still be there for you if you need us. That's the Pay4Freight.com difference.



Some of you are new to factoring. Here's how it works. Factoring is selling your accounts receivables at a discount in order to control your cash flow. According to industry statistics the average timeframe a freight invoice is settled is 48 days. That is a long time to wait to be paid.

• Factoring can protect you from unnecessary credit risks.
• Factoring removes the number one reason start up companies fail, lack of cash flow.

Non-recourse factoring: The factor takes on the credit risk. Pay rate is determined by the time-frame on when the payment will be distributed to you. Basically the quicker you need to be paid, the higher the rate. Should the debtor fail to pay and the carrier has complied with the contracted agreement, Carrier Cash will take the loss.

Recourse Factoring: The factor does not risk bad debts. A percentage of the pay is withheld by the factor until the debtor pays the invoice. Dependent upon how quickly the debtor pays on the invoice determines the percentage to be released to the carrier from the reserve account. Should the debtor fail to pay, the responsibility falls back upon the carrier.