You keep freight moving. We keep cash moving with trucking invoice factoring.
FundThrough funds freight and trucking invoices in days. Meet payroll, cover fuel, and take on more loads without waiting on broker and shipper payments.
$4B+
Business Paid Early
Fast, flexible funding that moves at the speed of placements.
52
Days Saved with Autofund
End extended terms by getting paid faster.
4.5
★★★★★
See how we've helped thousands of clients across hundreds of Google reviews
What is freight and trucking invoice factoring?
Freight and trucking invoice factoring lets you get paid for completed loads ahead of net terms, closing the gap between the miles you’ve driven and slow-paying brokers or shippers on Net 30, Net 60, or Net 90 terms. Carriers, owner-operators, fleet managers, and freight brokers know the pattern: you’ve covered fuel, maintenance, and driver pay up front, but payment won’t arrive for weeks or months. Tech-enabled freight and trucking invoice factoring unlocks quick funding and works alongside your bank, giving you control over your cash flow.
Stop chasing the wrong funding options.
Try FundThrough.
Funding that Flexes with Freight and Trucking
Freight factoring and trucking factoring built for businesses like yours
Get paid on delivery, not on freight and shipper terms
The industry average for invoice payment is 40 days, and some companies may take up to 90 days to pay. Meanwhile, carriers need to fill the tank, handle repairs, and pay insurance premiums. Factoring turns delivered loads into instant capital so trucks stay on the road.
Keep your drivers and make payroll with peace of mind
Driver shortages are a persistent challenge in trucking, and late payments to your team can push good drivers to competitors if payroll is late. Early invoice payments give carriers consistent cash flow to pay on time regardless of when brokers or shippers settle their invoices.
Fuel growth when margins are thin and costs are high
Operating costs in trucking hit record highs in recent years, and for many carriers spot rates haven’t kept pace. With cash you’ve already earned in hand, take on more loads to grow your business and stay ahead of costs and margins.
How FundThrough Works
AI and automation speed up your application and funding ahead of traditional factors relying on manual, paper-based processes.
1
Sign up for FundThrough with your email address or connect your QuickBooks, OpenInvoice, or other accounting platform.
2
Get approved
Upload your invoices or connect your accounting platform for even faster funding. We’ll verify your invoice and customer to give you peace of mind about your payments.
3
Get paid & Get growing
You’ll see your cash in your bank account minus one flat fee within 24 hours, after your first funding. We wait for your customer to pay. You put your funding to work!
What Freight and Trucking Leaders Are Saying
The great thing about FundThrough was being able to invoice and then get the cash. That helped us accelerate growth, and grow quicker than we’ve ever grown before.
Ken Miller,
Owner, Liquid Gold Trucking
How we work with your customers
We get it: your customer relationships are critical to your success. That’s why our team treats them professionally and minimizes their role in the funding process. We already have relationships with hundreds of enterprise businesses. Chances are good that your customers work with FundThrough and already know us!
FundThrough Reimagines Invoicing to Get You Paid Effortlessly
Powered by technology, our approach makes getting funded quicker and easier than both traditional factoring and banks.
| FundThrough | Traditional Factoring | Banks | |
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| Online application |  |
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| Fast, automated processes | |
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| Flexible fee structure | |
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| Choose invoices to fund | (as available) |
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| Up to 100% advance rate | |
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N/A |
| Unlimited funding | |
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| Personalized support | |
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Frequently Asked Questions
Invoice factoring is a way to get your invoices paid immediately rather than waiting on broker or shipper payment terms. FundThrough pays your freight invoices early, advancing the full amount minus a flat fee, and collects directly from your customer. For trucking businesses managing fuel costs, driver pay, and maintenance, steady cash flow between loads is essential. Factoring eliminates that gap.
With FundThrough, you can receive funds in as little as 24 hours. Funds are deposited via EFT or ACH directly into your bank account. Same-day wire transfers are also available for a small additional fee.
It depends on your factoring agreement. We customize our funding offer, which may include the option to choose the invoices you want to fund. In this situation, you could factor a single invoice or an entire week's worth of loads.
When you factor invoices, all payments from that customer are directed to FundThrough, including invoices you didn't choose to fund early. FundThrough quickly passes these payments through to you, known as a passthrough payment. You'll be notified when a passthrough payment is received and can track all activity in your account dashboard.
FundThrough offers funding in as little as 24 hours versus one week to one month with traditional factors. There are no hidden fees; you'll always know how much you're paying upfront. FundThrough uses AI-driven technology to make fast decisions rather than slow, manual review processes. Funding is unlimited, based on the size of your eligible invoices rather than a fixed credit limit.
FundThrough is a platform that allows businesses to get paid instantly on outstanding invoices.
Have questions?
Not sure where to start? Connect with one of our dedicated onboarding support specialists.