PayTruck
Load‑by‑load payments for trucking companies
Fully paid loads within 90 days — guaranteed
No sign-up, phone, or email required
Check any broker in seconds
See if they're legit and how fast they pay.
Estimates how long it'll take to receive payment.
For informational purposes only — not financial, credit, legal or load booking advice. Always do your own research and confirm terms directly with brokers before signing rate confirmations.
From delivery to receiving payment
delivered
sent
received
We haven’t pulled this broker’s payment file yet.
A typical broker on these terms
delivered
sent
received
This is a typical timeline based on the brokers we’ve already pulled — not a call on this specific broker. Want us to check them for real?
This is an estimate for informational purposes only — not financial, credit, legal or load booking advice. Always do your own research and confirm terms directly with brokers before you sign rate confirmations.
100% Non-Recourse protection with no locked reserve balances.
True load-by-load factoring at a flat rate with zero contracts.
Invoicing, dispute prevention, and collections handled for you.
The problem
Your time. Every hour you spend chasing an invoice is an hour you're not driving or growing your business.
The extra fees. In factoring, when broker payments are slow, extra fees get added that can increase your rate to 4–6%+. And if it takes too long, you're hit with chargebacks.
The contract. Factoring agreements typically last 1 or more years with auto-renewals. If you want to make a change or miss the cancel period, you gotta buy yourself out.
Check a factoring agreement and look for three things: fee schedules, exclusivity, and cancellation policies.
Built to have your back
Non-recourse Protection: Stay 100% protected from losses if an approved broker goes out of business.
No Reserve Balances: Avoid rolling escrow cushions, required minimum balances, or locked savings accounts.
24–48 Hour Advances: Get 80% of your load value deposited directly into your bank account right away.
Immediate Balance Payouts: Receive the remaining 20% balance the exact same day the broker settles the bill.
90-Day Full Payout Guarantee: Secure complete payout protection against approved broker credit failure within 90 days.*
True Load-by-Load Freedom: Fund only the specific loads you want, exactly when you want.
No Contracts or Lock-ins: Enjoy zero monthly volume minimums and absolutely no termination fees.
Flat Rate Pricing: Pay one transparent 3.5% rate per load with no hidden administrative costs.
Dispute Prevention: We verify your paperwork up front to stop broker payment delays before they happen.
Automated Invoicing: Upload your POD/BOL, and our platform builds, formats, and submits the invoice automatically.
Managed Accounts Receivable: We handle professional collection calls and follow-ups so you can focus on driving.
Document Hosting & Tracking: Access real-time online visibility and secure cloud storage for every load and invoice.
Or call Josh directly: 832-280-7683
I spent eight years as a freight broker and got tired of all the bad and ugly that happens to trucking companies after a clean delivery
— the fight to get paid, the paperwork mess, being left in the dark.
I started PayTruck to use what I know from the inside to give trucking companies a leg up.
With PayTruck
You see everything that happens after you deliver — start to finish.
Here's a real look inside PayTruck's Carrier Portal.
Everything about your load, in one place. All the details, and a status you can read at a glance. This one's closed: settled, paid out, done.
Your load documents, kept right here. A home for your paperwork, so you're not searching your cab or email to prove you sent them.
The full breakdown, right in front of you. What you get sooner, what comes later, and one flat rate. The balance is yours — it isn't held against your other loads.
Know you're getting paid, step by step. Everything after your delivery done for you — time saved to keep driving and growing.
Or call Josh directly: 832-280-7683
Use PayTruck
How it works
Five steps. You watch every one.
Submit your rate confirmation, bill of lading, proof of delivery. That's it.
We check the docs (usually same day), confirm the load details and amounts with the broker, and help gather any missing paperwork.
Once your docs check out, 80% of your invoice goes out to your bank within 24-48 hours.
We invoice the broker, follow up, and collect — every step shows in your timeline as it happens.
Once the load settles, the rest of your money goes out — our flat 3.5% is the only fee on the load. It's your balance, not money held against your next load.
Straight answers
Can I keep my current factoring company?
Many factoring contracts restrict you from using another company. If yours allows it, you can send us specific loads and compare. If it doesn’t, we can still talk through your options — including how to move volume when you’re ready. Either way, PayTruck has no long-term lock-in and no exclusivity.
Is this just factoring with new branding?
Same basic idea — we pay you on your invoice before the broker does. The difference is the shape of the deal: one flat 3.5% that doesn't change with how long the broker takes, no long-term contract, no all-or-nothing requirement, and you pick which loads.
What if the broker never pays?
We check the broker before we buy the invoice, and once we do, the chasing is ours — we invoice, we follow up, we collect. A broker not paying is never treated as you doing something wrong. If the broker goes under, that's our loss.
What does “Fully paid loads within 90 days — guaranteed” mean?
The 90-day guarantee applies strictly to instances of approved broker insolvency, bankruptcy, or total credit failure on approved loads. Invoices tied to active operational or broker-shipper disputes are excluded from the 90-day payout timeline until the dispute is resolved.
Am I locked in?
No. No minimum volume, no long-term contract, no exit fee. Use PayTruck on one load and never again if it doesn't fit your business.
What's the total cost on a $3,500 load?
$122.50 — the flat 3.5%, and the only fee on the load. $2,800 goes out up front as your 80%. The remaining $577.50 follows when the load settles. That's $3,377.50 to you.
Or call Josh directly: 832-280-7683