For Owner Operators

Non-Recourse Freight Factoring

Don't wait to get paid by the broker. Simply send us your documents, and we'll pay you right away. Broker goes bankrupt? The risk is on us.
Sign up today in minutes and factor your first load for FREE.


3.5% Flat Rate
No reserve
No ACH fees
No other fees

Same-day Funding
Submit BOL and RC to get paid
Receive money in 24 hrs
We'll invoice and collect
Free credit checks

No signup fees
No contract term
No termination fees
No volume commitments


For Fleets

Recourse Factoring

If you run a fleet over 5 trucks you can apply for InstaPay recourse factoring. 2% flat rate, same-day funding, invoicing on us (up to you).
Leave your contact info and we'll reach out to you shortly.


2% Rate
98% Advance
No Reserve
No Other Fees

90-day Recourse
1-year Commitment
Same-day Funding

5 Trucks or More
Over $100K in A/R
Sound Customer List


How it works


Step 1. Submit your docs
After you’ve finished your delivery, simply email or upload your Rate Con and BoL.


Step 2. Receive money
We review the docs and ACH you the money. Funds usually arrive the next day.


Step 3. Enjoy
Yes, that's it. Invoicing and collections are on us while you can focus on your business.


Carriers ❤️ InstaPay


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


Questions?  📞 855 777 2242