Freight Broker Factoring That Keeps Your Carriers Paid
Turn your broker invoices into same-day cash and pay carriers quickly, without waiting on slow-paying shippers.
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Keep Your Wheels Turning
Factoring For Freight Brokers
You booked the load, the carrier delivered, and now that carrier wants to be paid immediately while your shipper pays in 30, 45, or 60 days. Every load pulls cash out of the business before any comes back in. Factoring for freight brokers closes that gap by turning your broker invoices into cash the day you bill.
SS Brown Funding is a freight factoring company built for the transportation and logistics industry. We purchase your accounts receivable, fund you fast, and handle the invoicing and collections behind it. Trucking moves most of the nation’s freight, and the brokers who keep that capacity paid are the ones who keep it.
No set-up cost, no monthly minimums, no hidden fees. You broker the freight; we keep your business moving.
Designed for Realities on the Road
Why Brokers Choose SS Brown Funding as a Factoring Partner
A factoring partner protects more than cash flow. It protects your margin and your standing with dependable carriers who always have other options.
Fast Funding & Immediate Payment
Same-day invoice processing with free next-day ACH, plus same-day wire funding for a small fee. Fast funding means you access funds quickly instead of chasing payments for two months.
Transparent Factoring Fees
Straightforward advance rates and clear cost disclosures. No credit check fees, no surprise charges, and no long-term commitment buried in the fine print.
Free Credit Checks
We run credit checks on your customers before you cover the load, so slow-paying shippers and bad debt never make it onto your books.
Back Office Support
Invoice generation, payment tracking, and collections are handled for you, so back office operations stop eating hours you should spend covering freight.
A Team That Knows Freight
Real support from people who understand brokerage operations, not outsourced call center scripts.
support through every stage of business
SS Brown Funding Knows Freight Brokers
What Is Broker Factoring?
Broker factoring is the sale of a brokerage’s unpaid invoices for immediate payment. We purchase the invoice, bill the shipper, and SS Brown Funding handles collection. Because it is a sale of receivables rather than a loan, invoice factoring adds no debt to your balance sheet. SS Brown Funding has funded freight since 2017.
- Approval leans on your customers’ credit strength rather than your credit history, so brokers in early growth can qualify.
- Freight bills are processed the same business day by most factoring companies.
- Funding scales with volume, so booking more loads increases the working capital available.
- Approval is based on your customers’ creditworthiness, not your credit score, so new carriers and owner operators qualify quickly.
- Administrative tasks like collections can be outsourced to factoring companies. The factoring company takes over follow-up and acts as your accounts receivable department.
- Freight factoring helps bridge the cash flow gap between delivery and payment, which is why many trucking companies across the transportation industry rely on it.
Turning Unpaid Invoices Into Working Capital
Delayed payments are the biggest constraint on a growing brokerage. Factoring provides upfront payment on unpaid invoices, so you cover business costs like carrier payments, payroll, and insurance while the shipper pays on its own schedule. That is how factoring works: it turns receivables into consistent cash flow.
- Improve cash flow without traditional loans, interest, or a personal guarantee.
- Cover more loads in a week instead of pacing volume to your slowest-paying customer.
- Take on larger shippers with longer terms, because those terms no longer decide how you run.
Quick Pay Programs That Get Carriers Paid Faster
Carriers choose the brokers who pay. As of January 2026, brokers must keep the full $75,000 in financial security in place at all times or risk suspension of their authority, and carriers are vetting broker payment history harder than ever. With rising operating costs squeezing owner-operators, getting paid faster often decides which broker gets the callback.
Factoring lets you pay carriers faster, within 24 to 48 hours, and fund a quick pay program or fuel advances without draining your operating account. Many brokers absorb that cost and cap the freight they can move. Carriers who are paid immediately keep taking your loads first.
What Factoring Companies for Freight Brokers Charge
Factoring fees depend on your monthly volume, your customers’ credit quality, and how the agreement is structured under your contract terms. Advance rates are quoted as a percentage of invoice value, with the remaining balance released once the shipper pays. We price each brokerage based on its customers and volume.
The rate matters less than what sits underneath it. Many factoring companies charge extra for hidden fees, add credit check fees, or set monthly minimums. Factoring can cost more than traditional loans, so read the fine print carefully. Everything we include is listed on our services page.
- No sign-up fees, no monthly minimums, and no surprise charges added after you sign.
- Free invoicing and free credit checks are included rather than sold to you as add-ons.
Recourse Factoring and Non-Recourse Options
Factoring agreements come in two forms. With recourse factoring, you buy the invoice back if your customer never pays, which creates financial liability when a shipper defaults. Non-recourse factoring protects brokers from client non-payment risks and can minimize financial risk, but true non-recourse factoring is narrower than it sounds and costs more.
SS Brown Funding offers recourse factoring paired with free credit checks against the major credit bureaus, keeping your rate lower and bad debt off your books. Groups like OOIDA recommend reading every agreement closely. Ask any provider to explain their non-recourse options in plain language before you commit.
Freight Broker Factoring vs. Traditional Financing
A line of credit is debt. You borrow against a limit, pay interest, and approval leans on time in business and credit history. Traditional financing is capped the day it is approved, while factoring services move with your volume. That matters most in the months you grow fastest, and there is nothing to pay back because you are advancing money already earned.
SS Brown Funding offers recourse factoring paired with free credit checks against the major credit bureaus, keeping your rate lower and bad debt off your books. Groups like OOIDA recommend reading every agreement closely. Ask any provider to explain their non-recourse options in plain language before you commit.
How to Choose a Broker Factoring Company
Not every provider understands freight. Aggressive collections by factoring companies can damage shipper relationships you spent years building, so select a broker factoring company experienced in freight.
- Ask how collections are handled and who contacts your customers.
- Confirm flexible terms and no long-term commitment before signing.
- Compare financial solutions on total cost, not the advertised rate.
From Invoice to Cash
How Our Freight Factoring Services Work
01
Cover the Load
Book the freight, dispatch your carrier, and collect the signed proof of delivery.
02
Submit Your Freight Bills
Send your invoice and paperwork by email or through our app.
03
Get Funded
Funds hit your account via free next-day ACH, or same-day by wire for a small fee.
04
We Handle Collections
We invoice your customer, track payments, and follow up, so your team stops chasing payments.
Who We Serve
Trucking companies sell unpaid freight invoices to a factoring company to receive cash advances.
New Brokers
Holding fresh authority that need working capital before shipper terms catch up.
Small to Mid-Size
Brokers who want carrier pay handled without a credit line.
Growing 3PLs
In the logistics industry adding customers faster than cash flow allows.
Agent-Based
Brokerages paying commissions and carrier invoices on separate schedules.
Why Brokers Choose SS Brown Funding as a Factoring Partner
We built our factoring solution around what freight brokerages actually need. You book the load, the carrier wants paid right away, and your shipper pays in 30, 45, or 60 days. Factoring for freight brokers closes that gap by turning your broker invoices into cash the day you bill.
No set-up cost, no monthly minimums, no hidden fees. You broker the freight, we keep your cash flow moving.
Fast Funding and Immediate Payment
Same-day invoice processing, free next-day ACH, and same-day wire for a small fee.
Transparent Factoring Fees
Straightforward advance rates. No credit check fees, no surprise charges.
Free Credit Checks
We check your customers' credit before you cover the load, so bad debt stays off your books.
Back Office Support
Invoicing, payment tracking, and collections handled for you.
Start Freight Broker Factoring Today
Comparing factoring companies for freight brokers comes down to three things: how fast the money moves, how clear the costs are, and whether a real person picks up when something goes wrong. That is what sets us apart. Stop pacing your load volume to your slowest-paying shipper. Request an application or email support@ssbrownfunding.com, and we will get you set up right away.
Frequently Asked Questions
How Is Freight Broker Factoring Different From Trucking Factoring?
The mechanics are identical, but the receivable is different. In trucking factoring, a carrier sells the invoice it sends to a broker. In broker factoring, the brokerage sells the invoice it sends to the shipper. Carriers can find details on our freight factoring page.
How Fast Can a Broker Get Funded?
Freight bills submitted during business hours are processed the same day, and most factoring companies fund within 24 to 48 hours of approval. That is fast enough to pay carriers before your shipper opens the invoice.
Do I Have to Factor Every Invoice?
No. Ask any provider whether they require your full ledger or offer flexible terms on selected customers.
Will My Shippers Know I Use a Factoring Company?
Yes. We act as your accounts receivable department, sending the invoice and following up on payment. Handled well, it reads as back-office support, not trouble, and most shippers deal with factoring companies weekly.
What Happens If My Shipper Does Not Pay?
Under recourse factoring, the invoice comes back to you. That is why free credit checks matter. We screen customers against the credit bureaus before you cover the load, so bad debt is caught at booking.
What Do I Need to Get Started?
Your operating authority, your bond or trust filing, a customer list, and copies of recent invoices. Start with a quick application, and we will take it from there.