Dispatch and factoring services: loads booked by our desk, paid fast by your factor
Finding good loads and getting paid for them quickly are the two jobs that keep a truck running. We handle the first: our desk finds and negotiates freight for any equipment, and you approve every load before it's booked. Factoring handles the second: your invoices are paid in about a day instead of a month.
One application covers both. Tick the factoring box on the dispatch form and we'll pass a quote request to our factoring partner as well. Factoring is optional, and you can keep the factor you already have.
One form, both services
Dispatch from 4% to 7% of gross, no setup fee, no contract. Factoring quote optional.
Get loads and fast payWe refer carriers to a factoring partner and may be paid for referrals. Disclosure.
From booking to money in the bank, step by step
Follow one load through both services and see who owns each step. Switch factoring off to see the difference in when the money arrives, and choose who sends the paperwork.
- 01 BookingWe find and negotiate the load, then send you the details. Nothing is booked until you say yes.Our desk, then youDay 0
- 02 Rate conThe broker sends the rate confirmation straight to you. We check it matches what you approved.The broker, to youDay 0
- 03 PickupLoad, secure, get the BOL signed, and take clear photos of it.Your driverDay 1
- 04 DeliveryDeliver, get the POD signed and dated, and photograph it before leaving the dock.Your driverDay 2
- 05 PaperworkYou upload the rate con, POD and invoice to your factor.YouDay 2
- 06 FundsThe advance lands, usually about a day after a clean upload. The reserve follows when the broker pays.Your factorDay 3
The gap between the two versions is the whole case for factoring: with it, a load booked on Monday can be paying for fuel by Thursday. Without it, the same load pays a month or more later. The typical timings come from trade press reporting on factoring this year.
Source:FreightWaves Checkpoint, Average factoring advance rate for truckers (Feb 26, 2026) · checked 2026-10
Notice what doesn't change. You approve every load either way, the rate con comes from the broker straight to you either way, and your driver's paperwork is the same either way. Factoring only changes who pays you and when.
The "our desk sends it" option is there for carriers who'd rather not juggle uploads between loads. You send the photos to us once, and we pass the packet to your factor with the rate con we already have on file. It's a convenience, not a requirement, and many owner-operators prefer to keep the upload in their own hands so they can see exactly when it went in. Either way, the paperwork belongs to you and the invoice is issued in your company's name.
Equipment makes a small difference to the routine. A reefer load may come with a lumper receipt and a temperature record. A flatbed, step deck or oversize load may carry tarp pay, permit costs or escort charges billed back to the broker. A 26 ft box truck or hotshot run with several stops needs a signature at each one. The steps above stay the same; only the attachments change.
Using the factoring company you already have
Many carriers come to us already factoring, and there's no reason to switch just because you start dispatch with us. When you sign up, tell us:
- Which factor you use, and whether any brokers are off limits for it.
- How it wants paperwork sent: app, email or portal, and its daily cutoff.
- Whether it advances fuel, and what it needs from the shipper to do so.
- Whether you want copies of each load's paperwork sent to it by our desk, or you'll send everything yourself.
We then book with brokers your factor will fund, and check every rate con for the details factors reject most often: the company name, the MC, the rate and the accessorial terms. If a broker isn't approved by your factor, we tell you before you accept the load, not after it's delivered.
Your factoring contract stays between you and that company. We don't see your factoring rate unless you tell us, we're not paid by your factor, and we don't need access to your factoring account. If you'd like to compare your current deal with another, our freight factoring page walks through costs and terms.
If you stop using our dispatch service
Our dispatch is month-to-month with 30 days notice. If you leave, nothing about your factoring changes, because the two agreements are separate. Your factor keeps buying your invoices on whatever terms you agreed with it, whether the loads were booked by us, by you or by another dispatcher.
That's true even if you found your factor through us. A referral to our factoring partner gives you a quote, not a tie to our service. If you sign with them, that contract runs on its own terms: its length, notice period and fees are set by the factor, so read them before you sign.
It works the other way too. If you leave your factor, your dispatch carries on as before. Tell us the new factor's details and remind us which brokers have the new notice of assignment, so the next loads are booked and invoiced the right way.
In short, the two services are built to work together but never to depend on each other. You can run dispatch with us and no factor, dispatch with us and any factor, or factoring without us. The choice stays yours at every step, and so does the decision on every load.
Who the broker pays, and why it matters
When you factor, the broker pays the factor, not you and not us. That's set by the notice of assignment, a letter the factor sends each broker saying your invoices now belong to it. Under the Uniform Commercial Code, once a broker has that notice it can only clear the invoice by paying the factor.
Source:UCC 9-406(a), discharge of account debtor; notification of assignment · checked 2026-10
The broker pays you or your factor for the freight. Our dispatch fee is a separate charge between you and us, based on the gross of loads we booked and you hauled, with reimbursed costs such as lumpers left out of the base.
This is why your company details matter on every rate con. The broker's accounts payable team matches the rate con, the invoice and the notice of assignment. If the name or MC doesn't match, payment stalls while someone untangles it. We check those details on every load before you see the rate con.
What the driver still does on every load
At pickup
Check the BOL matches the load: pieces, weight, seal number. Get it signed. Photograph it, and photograph the load after securing or tarping on open deck.
At delivery
Get the POD signed and dated by the receiver, with any notes on shortages or damage. Record in and out times if there was a wait. Photograph it all before leaving.
Right after
Send the photos the same day: to your factor, or to our desk if you've asked us to forward them. Keep the paper copies filed by load until the broker pays.
No dispatcher and no factor can do these steps for the driver. A missing signature or a blurry photo is the most common reason a fast-pay load turns into a slow one, and it can only be fixed at the dock. Make the routine automatic and the rest of the chain runs on time.
Accessorials need the same care. Detention needs the terms on the rate con and recorded times. Lumper fees need a receipt. Tarp pay needs to be on the rate con before pickup. We make sure the terms are there when we book; the driver makes sure the proof exists when the work is done. Read the full onboarding steps on our getting started page.
Dispatch and factoring questions
Note 01How fast is payment when dispatch and factoring work together?
The advance usually lands about a day after a clean upload to the factor, so on a one-day trip you can see money within a few days of booking. The speed comes from clean paperwork: a rate con that matches the invoice, a signed POD and an upload before the factor's daily cutoff. The broker still pays the factor on its own terms.
Note 02Does factoring change how loads are booked?
Only a little. We still find and negotiate the load, and you still approve it before anything is booked. The difference is that we also check the broker is one your factor will buy invoices from, and that the rate con shows your exact company name and MC. That avoids hauling a load your factor won't fund.
Note 03Can I use my current factoring company with your dispatch?
Yes. You don't have to switch factors or use our partner. Tell us which factor you use and how it wants paperwork sent, and we'll book loads with brokers it approves. You keep sending invoices to your factor, or we can send copies for you if you ask. Your factoring contract stays between you and that company.
Note 04How do dispatch and factoring fees work together?
They're two separate fees from two separate companies. Our dispatch fee is a percentage of gross on loads we book: 5% for most single trucks, 7% for new MCs, 26 ft box trucks and hotshots, 4% for fleets. The factor charges its own fee on the invoices it buys. Neither fee changes the other.
Loads you approve, paid in about a day
Apply for dispatch and tick the factoring box, or ask for a factoring quote on its own.
We refer carriers to a factoring partner and may be paid for referrals. Disclosure.