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.
Our services
Invoice factoring tailored to your business
Flexible factoring built around your industry, your customers and your cash-flow needs — so slow-paying customers never slow you down.
What is invoice factoring?
Your invoices, turned into working capital
When you deliver a load or complete a job, your customer often takes 30, 60 or even 90 days to pay. Meanwhile, fuel, payroll, insurance and repairs can’t wait.
With factoring, you sell those unpaid invoices to Cashflow Finance. We advance up to 97% of the value right away, then collect from your customer. When they pay, we release the remaining balance to you, less our fee. It’s not a loan — it’s faster access to money you’ve already earned.
1
You invoice
Deliver the load and send us the invoice with your paperwork.
2
We advance
Up to 97% lands in your account within 24 hours.
3
We collect
Your customer pays us; you receive the remaining balance, less our fee.
Who we work with
Factoring for every kind of carrier
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.
Not in trucking? We also work with other small and medium-sized businesses that invoice commercial customers.Ask us about your industry →
What’s included
Everything you need, nothing you don’t
Funding within 24 hours
Up to 97% of each approved invoice, deposited to your business account.
A dedicated invoice inbox
Send invoices and paperwork to your own Cashflow Finance email address — no portal uploads required.
Collections handled for you
We follow up with your customers professionally, so you can stay focused on the road.
24/7 online account
See every invoice, advance and payment in your client account, day or night.
Transparent pricing
One clear fee structure explained up front. No hidden charges buried in the contract.
Flexible terms
Agreements tailored to your business that can change as your operation grows.
Getting started
What you’ll need
Every business is different, but having these ready helps us set up your account quickly.
Start your application- Basic information about your business and how long you’ve operated
- Your operating authority / safety numbers (e.g. CVOR, NSC or MC/USDOT, where applicable)
- A list of the customers or brokers you invoice
- Sample invoices with rate confirmations and signed proof of delivery
- A void cheque or banking details for deposits
- Government-issued photo ID for the business owner(s)
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.