Owner-operators
Keep fuel in the tank and the wheels turning. Turn delivered loads into cash the next day instead of waiting on 60-day terms.
Invoice factoring for Canadian trucking & business
Stop waiting 30–90 days.
Get paid in 24 hours.
Turn your unpaid invoices into cash the next business day. We advance up to 97% of every invoice and handle the collections — with simple, transparent pricing and no hidden fees.
- Same-day decisions
- Flexible terms
- Based in Bradford, Ontario
Estimate your advance
Within 24 hrs$1K$250K
You could receive up to
$24,250
Up to 97% advance · balance released when your customer pays, less our fee
Illustration only. Your advance rate and fee are confirmed in your offer.
Up to 97%
of your invoice advanced
24 hours
from invoice to funding
$0
hidden fees
24/7
online account access
How it works
Three steps from delivered load to money in the bank
No long applications every time you need cash. Once you’re set up, funding is as simple as sending an email.
- 1
Send us your invoices
Email your invoices and paperwork to your dedicated Cashflow Finance address once the load is delivered.
- 2
Get paid within 24 hours
Receive up to 97% of the invoice value deposited straight to your business account.
- 3
We collect the payment
We follow up with your customer and collect. When they pay, you get the remaining balance, less our fee.
Day 0
Load delivered, invoice sent
Day 1
Up to 97% in your account
Day 30–90
Customer pays us, you get the balance
Who we work with
Built for the people who keep freight moving
Small & large fleets
Cover payroll, insurance and maintenance across every truck. Funding scales with your invoice volume — no new credit line to negotiate.
Freight brokers
Pay your carriers quickly and win more loads, without tying up your own working capital while shippers take their time.
Hotshot trucking
Fast, smaller loads deserve fast pay. Factor single invoices and get funded within 24 hours of submitting your paperwork.
Why choose us
A factoring partner that’s straightforward and easy to work with
No confusing contracts, no surprise charges. Just fast funding and real people who answer the phone.
Fast, same-day funding
Time is critical. Submit your invoices and get quick access to funds when you need them most — typically within 24 hours.
Simple, transparent pricing
No hidden fees, just straightforward costs that help you make informed decisions. You know what you pay before you sign.
Flexible terms
Choose the options that fit your business, and adjust your agreement as circumstances change. Support at every stage.
Online access 24/7
Your client account is always within reach. Track invoices, advances and payments online, any time of day.
Factoring vs. a bank loan
Cash from money you’ve already earned
Factoring isn’t a loan. It’s an advance on invoices your customers already owe you — so approval is faster and there’s no new debt.
| Feature | Cashflow Finance factoring | Traditional bank loan |
|---|---|---|
| Decision based on | Your customers’ credit | Your credit & collateral |
| Time to funds | Within 24 hours | Weeks of paperwork |
| Adds debt to your books | No | Yes |
| Grows with your sales | Automatically | Requires a new application |
| Collections handled for you | Yes | No |
FAQ
Questions, answered
Can’t find what you’re looking for? Call us at (365) 386-5917 or send a message.
What is invoice factoring?
Factoring is selling your unpaid invoices to a factoring company at a small discount. Instead of waiting 30–90 days for your customer to pay, you receive most of the invoice value right away, and the factoring company collects the payment.
Is factoring a loan?
No. Factoring is an advance on money your customers already owe you, so it doesn’t add debt to your balance sheet. Approval depends mostly on the creditworthiness of your customers, not on your own credit history.
How quickly can I get funded?
Once your account is set up, invoices submitted with complete paperwork are typically funded within 24 hours.
How much of my invoice do I receive?
You receive up to 97% of the invoice value as an advance. The remainder, less our fee, is released to you once your customer pays.
Are there hidden fees?
No. Our pricing is simple and transparent, and every cost is explained up front before you sign anything.
Do I have to factor every invoice?
Our terms are flexible. Talk to us about the arrangement that fits your business and how it may change as you grow.
Can I see the status of my invoices?
Yes. Clients get 24/7 online access to their account to review invoices, advances and payments.
Get paid faster. Grow your business.
Let us turn your unpaid invoices into reliable cash flow. Applying takes a few minutes and there’s no obligation.