What is invoice factoring?

Invoice factoring is when you sell your unpaid invoices to us at a small discount in exchange for immediate cash. Instead of waiting 30-90 days for your customers to pay, you get funded within 24 hours. We then collect payment directly from your customers.

Is there a minimum contract length?

We offer a standard one-year agreement. You can provide termination notice as outlined in the contract. This gives you flexibility while ensuring a stable partnership for your business growth.

Do you run credit checks on me or my company?

We check the creditworthiness of your customers (the brokers and shippers), not yours. Since we're buying your invoices, what matters is whether your customers will pay—not your personal or business credit history.

How fast will I get paid?

Most clients receive funding within 24 hours of submitting their completed paperwork. In many cases, especially during busy seasons, we can provide same-day funding if documents are received early in the day.

What are your rates and fees?

Our factoring rates typically range from 2-5% depending on your invoice volume, customer creditworthiness, and other factors. We provide transparent pricing with no hidden fees. Contact us for a personalized quote based on your specific situation.

Semi Trailer Trucks Driving on The Road at Sunset Sky. Shipping Cargo Container. Economy Business Transport on Road. Shipping Import- Export. Trucking. Freight Logistics Truck Transportation.

Truck Factoring Made Simple & Fast

Get paid in 24 hours, not 30-90 days. Keep your trucks moving with immediate cash flow.

🚛 No credit checks • Standard one-year contract • Competitive rates

Call Now: (908) 809-9919 Request a Quote Compare Rates

Fast funding

Simple onboarding

Back office support

1

Contact for a Quote

Reach out to get your personalized rate quote

2

Get Approved Fast

Same-day approval and setup, no lengthy paperwork

3

Start Getting Paid

Submit invoices and receive funds within 24 hours

500+ Happy Truckers

4.9/5 Rating

A+ BBB Rated

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Trusted By Industry Leaders

Professional factoring services backed by industry experience

Secure & Compliant

FMCSA Registered

A+ BBB Rating

Accredited Business

Licensed Agent

Certified Professional

15+ Years

Industry Experience

100% U.S. Based

Proudly serving American trucking companies

U.S. Operations Only

All loads within the United States

American Team

U.S.-based customer support

FMCSA Compliant

Fully licensed in the U.S.A.

Why Work With Josh Schuddeboom?

Get personalized service from someone who understands your business and is committed to your success

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15+

Years Experience

Direct Access to Your Dedicated Account Manager

When you work with me, you're not just another account number. You get direct access to someone who knows your business, understands your challenges, and is invested in your success. No call centers, no automated systems—just personal service.

Direct Phone Line

Call or text me anytime at (908) 809-9919. I'm here to answer your questions quickly.

Industry Expertise

I understand the unique challenges of trucking—from produce season rushes to cash flow gaps during slow periods.

Standard One-Year Agreement

Simple contract with termination notice option

OTR Solutions Support

Backed by OTR Solutions' industry-leading platform and resources, giving you the best of both worlds.

Same-Day Approval

Get approved and start factoring within 24 hours

Competitive Rates

Transparent pricing with volume discounts available

Standard One-Year Agreement

Simple contract with termination notice option

Full Back Office

MC setup, broker setup, and dispatcher support

Complete Trucking Solutions

Beyond factoring, I offer a full suite of services to help your trucking business thrive

Invoice Factoring

Get paid within 24 hours of delivering your load. No more waiting 30-90 days for broker payments.

Same-day and next-day funding
Competitive factoring rates
Free credit checks on brokers

Fuel Card Programs

Save 0.50+ per gallon with our exclusive fuel discount programs at thousands of locations.

Network of 2,500+ truck stops
Transparent pricing, no hidden fees
Real-time expense tracking

MC Authority Setup

Starting your own authority? I'll handle all the paperwork and get you up and running quickly.

FMCSA registration assistance
UCR and BOC-3 filing
Insurance guidance

Broker Setup Packets

Get approved with more brokers faster. I'll prepare and submit all your setup packets.

Professional packet preparation
Submit to multiple brokers
Follow-up and approval tracking

Dispatcher Support

Need help finding loads? I can connect you with trusted dispatcher services to keep you moving.

Load board access
Rate negotiation help
Route planning assistance

Back Office Support

Focus on driving while I handle the administrative work—billing, collections, and recordkeeping.

Invoice processing & submission
Payment collections
Financial reporting

Need a Custom Solution?

Every trucking business is unique. Let's discuss your specific needs and create a package that works for you.

Let's Talk

Factoring Programs That Fit Your Needs

Whether you're a single truck owner-operator or managing a growing fleet, we have the right solution for you

Owner-Operators

Perfect for independent drivers who need fast cash flow

Same-day funding
No minimum volume
Flexible terms

Learn More

Small Fleets

Scalable solutions for growing trucking companies

Volume discounts
Credit monitoring
Dedicated rep

Learn More

Dispatcher Support

Find loads and manage your business efficiently

Load finding
Rate negotiation
Paperwork handling

Learn More

Broker Setup

Get set up with brokers and direct customers quickly

Packet completion
COI management
Document tracking

Learn More

Discuss Your Needs

Built for Truckers, By Truckers

We understand the road because we've been there. Professional factoring services designed specifically for owner-operators and trucking companies.

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Keep Your Trucks Rolling

Same-day funding means you never have to wait for payment

From inside the cab of a truck, driver holding the steering wheel firmly while driving on a straight highway, usually where fatigue increases the most.

Focus on Driving

We handle the paperwork and collections

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Scale Your Fleet

Grow your business with reliable cash flow

24hrs

Funding Time

2-5%

Competitive Rates

100%

Transparent Service

Financial Calculators

See how much you can save and earn with our factoring services

Factoring Calculator

Invoice Amount ($)

Factoring Rate (%)

Number of Invoices per Month

Fuel Savings Calculator

Gallons per Week

Discount per Gallon ($)

Weeks per Month

These are estimates. Actual rates and savings may vary.

Get Exact Quote

Factoring vs. Traditional Financing

See why factoring is the smarter choice for trucking companies

Recommended

Invoice Factoring

Get Paid in 24 Hours

Turn invoices into cash immediately, not weeks later

No Debt on Your Books

Not a loan—you're selling an asset, not borrowing money

No Credit Check on You

Approval based on broker creditworthiness, not yours

Standard One-Year Agreement

Flexible contract with termination notice option

We Handle Collections

No more chasing down late-paying brokers

Simple Transparent Fees

One low rate (2-5%), no hidden charges

Get Started Today

Bank Loans & Lines of Credit

Wait Weeks or Months

Lengthy approval process with mountains of paperwork

Adds Debt to Balance Sheet

Impacts your debt-to-income ratio and creditworthiness

Strict Credit Requirements

Need excellent credit score and business history

Long-Term Commitments

Multi-year contracts with penalties for early payoff

You Handle Collections

Still waiting 30-90 days for broker payments

Complex Fee Structures

Interest rates, origination fees, monthly payments

The Smart Choice for Trucking Cash Flow

Factoring isn't a loan—it's immediate payment for work you've already completed. Keep your credit clean, avoid debt, and get paid fast.

Calculate Your Savings Call (908) 809-9919

Fuel Card Savings

Maximize your profits with our fuel card program—save big on every fill-up

Discounts at Major Stations

Save on fuel at thousands of locations nationwide including Pilot, Flying J, TA, Petro, and more

Competitive Pricing

Lock in lower fuel costs and keep more money in your pocket with every gallon

Easy Tracking & Reporting

Monitor fuel expenses and savings with detailed reports and online account access

Included with Factoring

Get instant access to our fuel card program when you sign up for factoring services

Average Savings

$0.50+

per gallon

500 gallons/week $1,000/month saved

1,000 gallons/week $2,000/month saved

2,000 gallons/week $4,000/month saved

Calculate Your Savings

Trusted by Owner-Operators Nationwide

Join hundreds of truckers who've improved their cash flow and grown their businesses with our factoring services

Fast Growth

Get the working capital you need to take on more loads and expand your fleet without waiting for slow-paying brokers

Positive and smiling driver standing by his truck ready to drive.

Reliable Support

Direct access to your account manager—no automated systems or long wait times. Real support when you need it

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No Hidden Fees

Transparent pricing with no surprise charges. You'll know exactly what you're paying before you factor each invoice

Ready to Get Paid Faster?

Contact me now and get your personalized quote in as little as 24 hours. No long-term contracts, no credit checks on your business.

Get Your Quote Calculate Your Rates

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Industry Expertise

Specialized support for different sectors of the trucking industry

General Trucking

Whether you haul dry van, flatbed, reefer, or specialized freight, we understand the unique cash flow challenges of the trucking industry.

How Factoring Helps:

Immediate Cash Flow: Don't wait 30-90 days for payment—get funded in 24 hours
Cover Operating Expenses: Pay for fuel, maintenance, insurance, and driver pay without delay
Focus on Driving: We handle collections and billing—you focus on hauling loads
Grow Your Business: Take on more loads without worrying about cash flow gaps

Get Started

Produce Season

During produce season, timing is everything. Loads move fast, and you need capital even faster to keep up with demand.

Why Cash Flow Matters:

High Volume, Fast Pace: Produce loads require quick turnarounds—get paid same day to keep rolling
Seasonal Opportunity: Maximize earnings during peak season without waiting weeks for payment
Keep Trucks Moving: Fund fuel and expenses immediately to accept back-to-back loads
Broker Relationships: We verify brokers and handle collections so you can focus on delivery

Same-day funding available during produce season peak times!

Talk to an Expert

What Truckers Say

Real feedback from owner-operators who've improved their cash flow and grown their businesses

"Working with Josh has been a game changer for my business. He answers my calls personally, explains everything clearly, and gets me paid fast. I've tried other factoring companies before, but Josh's personal touch makes all the difference."

M

Marcus Thompson

Owner-Operator, Georgia

"Josh Schuddeboom is the real deal! He set me up in less than 48 hours and I had my first payment the next day. His rates are competitive and there's no BS—just straight talk and honest service. Wish I found him sooner!"

R

Robert "Bobby" Miller

Independent Hauler, Texas

"I can't say enough good things about Josh. He's always available, even on weekends when I have questions. The fuel card program alone saves me hundreds every month. Professional, reliable, and genuinely cares about my success."

L

Lisa Ramirez

Fleet Owner, California

"Josh helped me set up my new authority and got me started with factoring right away. He guided me through every step and made what seemed complicated really simple. Best decision I made when starting out!"

J

James Patterson

New Authority, Arizona

"Been working with Josh for over a year now. He treats me like family, not just a client. When I had a dispute with a broker, he handled everything and got me paid. That's the kind of service you don't find anymore."

C

Carlos Mendez

Owner-Operator, Florida

"Josh Schuddeboom knows the trucking business inside and out. He helped me save thousands with the fuel card and the factoring rates are better than my last company. I actually look forward to our check-in calls—that's how good he is!"

T

Tony Washington

3-Truck Fleet, Illinois

500+

Happy Clients

$50M+

Invoices Factored

4.9/5

Customer Rating

24/7

Support Available

Free Consultation

Schedule a Call With Josh

Let's discuss your factoring needs and see how I can help improve your cash flow. Book a free 30-minute consultation—no pressure, just honest advice.

30-Minute Call

Quick, focused discussion about your business needs

Phone or Video

Choose what works best for you—I'm flexible

No Obligation

Get answers to your questions with no commitment required

Instant Confirmation

Same Week Availability

Easy Rescheduling

Book Your Free Consultation

Pick a time that works for your schedule

With Josh Schuddeboom

30 Minutes

100% Free

Schedule Your Call Now

Your information is secure and will never be shared

Direct Communication

Speak directly with me, not a sales team

Expert Guidance

Get industry insights and personalized advice

Custom Quote

Receive a rate tailored to your business

Frequently Asked Questions

Get answers to common questions about our factoring services

Still have questions? We're here to help!

Contact Us

How It Works

Get funded fast with our simple 3-step process

1

Submit Invoices

Send us your completed load invoices through our easy online portal or app

2

Get Funded Fast

Receive your advance within 24 hours, typically the same day you submit

3

We Handle Collections

We collect payment from your brokers and customers—you focus on driving

Get Started Today

Trusted & Secure

Industry-Leading Factoring Partner

Secure Platform

Bank-level encryption protects your data

BBB Accredited

A+ rating with Better Business Bureau

FMCSA Registered

Fully licensed and compliant

OTR Solutions

Backed by industry leaders since 2008

100%

Secure

Your data is protected

15+

Years

OTR Solutions experience

1000s

Clients

Served nationwide

Get Started Today

Ready to improve your cash flow? Fill out the form below and we'll get back to you within 24 hours

Call Us Now

(908) 809-9919

Available Monday - Friday, 9am - 6pm EST

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Why Work With Me?

Same-day funding
Standard one-year contract
Fuel card program included
Back office support