InstaPay Freight Factoring

Fast funds for your business

Don't wait to receive payments from your clients – try InstaPay, the first factoring company that has one flat rate, same-day funding and no signup or termination fees.

See our 17 reviews on

3% flat rate

Non-recourse. No other fees.

Same-day payment

For invoices sent by 12:30 pm ET.

Try for free

No signup or termination fees.


Factoring solutions tailored to meet your needs. Get signed up in minutes for our standard 3% non-recourse product or request a quote if you are over 5 trucks in size.

For owner operators

One rate, fast payment, zero hassle
  • 3% non-recourse rate
  • Flat rate, no other fees
  • Same-day payment
  • Full advance
  • We invoice and collect
  • Free credit checks

For fleets

Flexible terms for fleets over 5 trucks
  • Rates from 1.99%
  • Recourse or non-recourse
  • Same-day payment
  • Buyout assistance
  • Unlimited borrowing
  • Free credit checks

Carriers ❤️ InstaPay

No matter what size our carriers love our service.

We have had great success with InstaPay. Really easy to work with. No contracts is great. Stephen is our contact and he is awesome. 24 hr pay. Keep the companies that you already have pay quick. Give them a call.

– Mark, Buffalo Trucking

InstaPay is the best factoring company I have dealt with: the pay is fast, people are friendly and very professional. I would recommend this factoring company to anybody and everybody.

– Gary, GFL Transportation

Since handing my invoice billing hat to InstaPay, I no longer have to deal with that dreaded collections chore. All I have to do is send an email and my receivables are deposited to my account the next day.

– Debbie, Walkabout Transport

How it works

Easy to get started


To sign up for InstaPay you must be a carrier with an active for-hire authority. You cannot use InstaPay and another factoring company at the same time.

What's required

Our online application process takes 5 minutes. Tell us about your business, fill out W-9 form, provide your DL, insurance and bank deposit info.

Fast approvals

If everything looks good and we have no additional questions, you can start factoring the next day you submit your application.

Speak to an expert

Receive a free consultation from our advisor who will help you choose the factoring service that's right for you.

Give us a call at (855) 777-2242