Factoring for Fleets

Freight Bill Factoring

If you run a trucking fleet over 5 trucks, we'll tailor our solution to your needs. Flat rates from 1.99%, same-day funding, flexible terms, fuel advances, and more.

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Rates from 1.99%

Flat rate, no other fees

High advance with Recourse

Full advance with Non-Recourse


Same-day funding

Phone support

Free credit checks

Fuel Cards
Coming Soon

Eligibility & Terms

Must be over $100K in A/R

Annual contract

Volume commitment

Recourse Factoring

Working with regular reliable clients? Borrow at a low flat recourse rate with a high advance.
Learn more about Recourse vs Non-recourse
  • Rates as low as 1.99%
  • Flat rate, no other fees
  • Same-day funding
  • 90-day recourse
  • Free credit checks
  • Online reports

Non-Recourse Factoring

Have been burned by brokers going out of business? We can take on that risk with our non-recourse product.

Learn more about Recourse vs Non-recourse

  • Rates as low as 2.5%
  • Flat rate, no other fees
  • Same-day funding
  • Free credit checks

How to get started

Click Apply Now below to leave your information and we will reach out to you to discuss available options.


For our non-standard rates you must be a carrier with over $100K in monthly load volume. Provide your AR aging and we will give you a quote.

What is required

For fleets we usually ask for W9 form, owner's DL, AR aging report, insurance information, financials, and a sample invoice.

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

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