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Break Free From Factoring Companies

PayTruck™ is load-by-load, use-when-you-choose quick pay for owner-operators.

Stuck in a factoring contract?

I'm real, and I answer.

Josh H · Founder/Owner

I brokered freight for 8 years. I quit because I hated the way factors treated my carriers. PayTruck™ is what I'm doing about it.

What Owner-Operators Say About Factoring

"My factoring company sent me to collections because a broker didn't pay after 90 days. They said the paperwork was blurry. I sent clearer pictures, but they rejected them and said they'd take the advance out of my other invoices… If they'd told me before they billed it, I would have sent clearer photos… Every time I ask them for help, they tell me I'm on my own. I don't want to use them anymore, but there's nothing I can do until my contract ends next year."

Cesar, California

"I'm stuck in a contract with my factoring company… I got about 8 months left… there's stuff that's not in their contract at all that they spring on you… my first 3 months were at 1.99% but they went from the day I signed up, not from the first bill I factored… Just slimy."

Andre, Colorado

"I'm not really looking at getting trapped in doing any factoring with anybody. I was going to sign a contract with one until I read that their non-recourse still lets them recourse against you. If brokers didn't pay after 90 days, they would come back at me and take that money back away from me. I decided to nip that in the bud and said no."

Nick, Texas

With PayTruck™ Quick Pay, You're Not Stuck With...

  • ❌ Yearly/Monthly Contracts: Freely start and stop without worrying about auto-renewals or cancel periods.
  • ❌ Volume Commitments: Use quick pay for one load a year or as many loads as you want whenever you want.
  • ❌ Every Invoice: UCCs and NOAs are per-load per-broker, so you are still able to bill brokers directly.
  • ❌ Chargebacks: If brokers pay after 90 days, or do not pay, you keep the advance without extra charges.
  • ❌ Hidden Fees: The rate you pay is all-in, non-recourse included. It stays flat and never changes.
  • ❌ Penalties: If a load has a dispute, claim, or error, we help solve it instead of making you pay for it.
Talk to Our Founder/Owner About It

How PayTruck™ Quick Pay Works

  1. Submit a Load: Pick a completed load and upload the signed rate con, BOL, and POD.
  2. We Verify It: We check the broker's credit and payment history, and confirm the load with the broker.
  3. Get Your Advance: Once these clear, your 80% advance is sent same day by free ACH to your own bank account.
  4. We Do the Chasing: We track the invoice, follow up with the broker, and you can see every update in your portal.
  5. Get Your Balance: When the broker pays, your 16.5% is sent same day by free ACH to your own bank account.

If you haul a $1,000 load, the money flows like this:

  • 80% now
  • 16.5% later
  • 3.5% after
  • ⚡ You get $800 (80%) when your load verifies:
    This comes out of our pocket to help cover the hard operating costs to keep your truck on the road.

  • 💰 You get $165 (16.5%) when the broker pays:
    We don't lock your money in a "reserve fund." It goes straight to you when the invoice is paid.

  • 🛡️ We get $35 (3.5%) only after you get paid:
    If a broker does not pay, you keep the $800. We take the hit. We don't get paid, and we don't charge it back.

Talk to Our Founder/Owner About It