Factoring Rates & Fees
Factoring Rates & Fees
Clear pricing matters. Carriers should understand how factoring rates work before they start.
- No hidden fees
- No reserves
- Rate explained up front
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What matters isn't the quoted rate. It's what's included.
Factoring rates vary based on factors like volume, broker quality, payment behavior, and program structure. What matters most is not just the quoted rate — it is what is actually included.
Most carriers in the industry pay somewhere between 1% and 5% per invoice, with rates trending lower as monthly volume and broker credit quality increase.
A flat-rate structure, where the percentage doesn’t change based on how quickly a broker pays, tends to be the easiest to budget around.
Volume
Higher monthly invoice volume typically trends toward lower rates.
Broker credit quality
Stronger-paying brokers usually mean a better factoring rate.
Program structure
Flat-rate programs are easier to budget around than tiered ones.
Hidden fees add up fast. Know what to ask about.
Many carriers run into the same frustrations with factoring companies — hidden fees, credit check fees, minimums, reserve holdbacks, and early termination fees.
Processing fees
Reserve holdbacks
Early termination fees
Buyout fees
Minimum volume penalties
Renewal traps
Your rate, explained clearly before anything starts.
We don’t believe in one-size-fits-all pricing. Every trucking company is different, so we explain your rate clearly before anything starts.
What you're quoted is what you pay
No surprise line items buried in the fine print.
Nothing held back
Your funds aren't sitting behind a reserve account.
No contract-based fee traps
Questions to ask before you sign any factoring agreement
Bring this list to any factoring conversation — including with us.
Is this a flat rate or does it increase over time?
A flat-rate structure is generally the easiest to budget around, since the percentage doesn’t shift based on how quickly a broker pays.
Are there ACH, wire, or admin fees?
Ask for these to be disclosed up front — they’re easy to overlook until the first invoice.
Are reserves held back?
Reserve holdbacks reduce the cash you actually receive. Ask how much and for how long.
Is there a termination fee?
Some contracts charge a fee just to leave. Get this in writing before you sign.
Is there a fixed contract term?
A fixed term can lock you in even if the relationship stops working for you.
What happens if I want to leave?
Ask for the exact steps, not just a general assurance that it’s “easy.”
What does the exit process look like?
A clean exit process is one of the clearest signs of a factoring company that earns your business every day.
You shouldn't have to decode your factoring relationship later.
Carriers should not have to decode their factoring relationship after the fact. The right factoring company should explain pricing clearly, disclose fees fully, and make it easy to understand how the relationship works before anything starts.
Clear pricing, every time
Rates and terms explained before anything starts — no fine print required.
Want clear pricing without the surprises?
See your real rate before anything starts — no hidden fees, no reserves.