STOP WAITING
45 DAYS
TO GET PAID.
You hauled the load. You delivered on time. Now your freight broker wants to pay you in 30–45 days. Caliper Finance offers truck factoring for owner-operators — we fund your invoice funding as fast as 24 hours for qualified invoices, approvals focused on the strength of the receivable.
BROKERS PAY SLOW.
YOUR BILLS DON'T.
As an owner-operator, you are running a business on razor-thin margins. Fuel costs hit the moment you leave the dock. Truck payments don't care that your broker is sitting on your money for 45 days. This is the cash flow trap that forces good operators out of the industry every year.
Fuel costs hit before your broker pays
Truck payments don't wait 45 days
You can't take new loads if your cash is tied up
Banks won't lend against freight invoices
Quick pay from brokers costs 2–5% and still takes days
FREIGHT FACTORING
EXPLAINED SIMPLY.
Freight factoring — also called truck factoring or invoice factoring for trucking — is not a loan. You are simply selling your unpaid freight bill to us at a small discount. We give you 90–97% of the invoice value today. Your broker pays us the full amount in 30–45 days. You never owe us anything. No debt. No interest. Just your money, faster.
No debt added to your balance sheet
Approvals are focused on the strength of the receivable — we underwrite your broker, not you
Non-recourse options: if the broker doesn't pay, you don't owe us
Fuel advance programs available same day
Works for new authorities — no minimum time in business
WHAT YOU NEED TO QUALIFY.
Owner-operator funding through freight factoring has the simplest qualification requirements in commercial finance. If you have a truck and a load, you likely qualify.
Active MC Number
You must have an active FMCSA Motor Carrier number. New authorities are welcome — we work with carriers from day one.
An Unpaid Invoice
You need at least one outstanding freight bill from a creditworthy broker or shipper. The invoice is your collateral.
That's It
No minimum revenue. No minimum time in business. Approvals are focused more on the strength of the receivable.
QUICK PAY VS. FACTORING:
WHAT'S THE DIFFERENCE?
Most owner-operators know about quick pay from their broker. Fewer know that freight factoring is almost always faster, cheaper, and more flexible. Here's the honest comparison.
| Feature | Broker Quick Pay | Caliper Freight Factoring |
|---|---|---|
| Speed | 2–5 business days | Same day or next day |
| Cost | 2–5% of invoice | 1–3% of invoice |
| Works with any broker | No — only your current broker | Yes — any creditworthy broker |
| Fuel advance | Rarely available | Available same day |
| Credit check on you | Sometimes | Never — we check the broker |
| Long-term contract | N/A | No contract required |