Fast Pay Freight Factoring
for Owner Operators

Same-day invoice funding. No loans. No long waits.

Just fast, reliable cash flow with a 1.5% intro rate* for Owner-Operators.

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*First 60 days, 1-year recourse contract + 95% advance rate, does not apply to Sprinter Vans or Boxed Trucks.

Get Started with No Credit Check.

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How Freight Factoring Helps Owner Operators

Owner operators need fast, reliable cash flow to keep trucks moving. Freight factoring for owner operators allows you to turn unpaid invoices into same-day cash, so you can cover fuel, maintenance, and expenses without waiting 30 to 90 days to get paid.

Why Owner Operators Choose Porter Freight Funding

Running your truck shouldn’t mean waiting weeks to get paid.
At Porter Freight Funding, we help owner-operators turn delivered loads into fast, reliable cash flow — so you can pay for fuel, maintenance, permits, insurance, and everyday operating costs without taking on debt or sitting idle waiting on brokers.
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How Freight Factoring Works

Owner Operator freight factoring means you:

Step 1

Deliver your load and submit the invoice.

Step 2
Porter buys your invoice and advances most of the total immediately.
Step 3
We handle collections, credit checks, and follow-ups.
Step 4
You get the rest minus our small fee once your broker pays.
It’s not a loan — it’s your money, paid faster.
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Why Porter Freight Funding Is Different

Porter Freight Funding isn’t just another factoring provider, we’re a financial partner tailored to the trucking community:
  • Industry-Focused
  • We design solutions specifically for Owner Operators.

  • Transparent Pricing
  • No surprises. Flat affordable rates with volume-based advantages.

  • Powerful Tools
  • Online portal + mobile app to upload invoices instantly.

  • Dedicated Support Team
  • Personal account managers who understand your business.

  • Extra Savings
  • Add fuel advances and fuel cards to stretch your operating dollars even further.
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Why Owner Operators Use Freight Factoring

  •  Get paid within 24 hours instead of waiting weeks
  • Improve cash flow without taking on debt
  • Access fuel advances and discounts
  • Eliminate invoicing and collections work
  • Scale your trucking business faster
image of hands with money advertising porter freight funding's owner operator freight factoring

Special Offer: 1.5% Introductory Factoring Rate

For eligible Owner Operators, Porter Freight Funding is offering a limited-time 1.5% introductory rate:
Here’s what you get:
  • 1.5% factoring fee for your first 60 days
  • Up to 95% invoice advance
  • Same-day funding available on approved invoices
  • Flexible, transparent pricing with no hidden costs
This intro rate helps you unlock more cash flow from day one, giving you runway to fuel up, fix up, and grow faster. It’s one of the most aggressive introductory rates in the industry.

*First 60 days, 1-year recourse contract + 95% advance rate, does not apply to Sprinter Vans or Boxed Trucks.

Speak with Our Team

Freight Factoring Rate Quote

Fast, transparent, and tailored for Owner Operators.
Answer a few quick questions to get your best factoring rate.

Owner Operator Factoring FAQs

What is freight factoring for owner operators?

Freight factoring for owner operators is a financial solution that allows trucking businesses to sell unpaid invoices to a factoring company in exchange for fast cash. Instead of waiting 30 to 90 days to get paid by brokers, owner operators can receive same-day or next-day funding to keep their trucks running.
Most owner operators receive payment within 24 hours of submitting an invoice. With Porter Freight Funding, many invoices are funded the same day, helping drivers cover fuel, maintenance, and operating expenses without delays.
Freight factoring is often more consistent and reliable than broker quick pay. Quick pay programs vary by broker and can still take several days, while factoring provides fast funding across all approved brokers with predictable pricing.
Yes. New owner operators can qualify for freight factoring even without established credit. Approval is typically based on the creditworthiness of the broker or shipper, not the trucking company.
Many factoring companies, including Porter Freight Funding, offer fuel cards with built-in diesel discounts. This helps owner operators reduce fuel costs, which is one of the largest expenses in trucking.
No. Many factoring programs offer flexibility, allowing owner operators to choose which loads to factor. This gives you control over your cash flow and financing needs.
Porter Freight Funding offers transparent pricing with no hidden fees. Flexible terms are available, so owner operators can choose a program that fits their business without being locked into restrictive long-term contracts.
Factoring improves cash flow by turning invoices into immediate working capital. Instead of waiting weeks to get paid, owner operators can access funds quickly to pay for fuel, repairs, insurance, and daily expenses.