Carrier Factoring

Delivered in A.M.
Paid in P.M.

Freight factoring for carriers with a flat 3% rate, no hidden fees, same-day payments, and no commitments.

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The InstaPay Difference

With many years of experience in the transportation industry, we know exactly what carriers look for in factoring company.

Human support

Whenever you need help you can instantly reach us via a channel that's convenient for you: online chat, email, phone, or even text.

Fast funding

We're beyond just same-day approvals - you actually receive money the same afternoon if you submit your invoice by noon ET.

Fair treatment

We treat our carriers the way we'd want to be treated ourselves. No contract lockup,  no hidden fees, and no sketchy actions on our part.

No ACH fees.
No wire fees.
No origination fees.
No signup fees.
No minimum fees.
No termination fees.
No chargeback fees.
No hidden fees. Ever.

Flat rates.
No hidden fees.

One flat rate per invoice and no reserve. Even more, there are no transfer fees. Our standard rate for fleets under 5 trucks is 3% non-recourse. Apply today to see if you qualify for a lower rate.

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Free from commitments

You have enough commitments in your life. So we won’t lock you up in a 90-day trial. Our standard offer requires no minimums, has no term or termination fee, and gives you the financing freedom you need.

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No contract lockup.
No termination fee.
Cancel at any time.
No minimums.
No commitments.

Factoring for fleets

If you run a fleet with over 5 trucks, we'll tailor our solution to your needs. We offer flat rates same-day funding, flexible terms, and more.

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Fuel card

Get guaranteed 20 cents discount per gallon at over 2,000 locations in North America. All InstaPay clients are eligible.

Guaranteed discount

2,000+ locations

Immediate rebate

Getting Started

Apply Online →
Start our quick online application to see what rate you can be approved for.
Submit Invoices
Once you’ve completed your application, simply log in to the portal and submit your invoices.
Get Funded
Submit an invoice by noon ET to receive funds your bank account in the afternoon.

Proud to serve our clients

Jamelle helps us out when we call with questions and makes the process work fast. Thank you so much for all you guys do there to help us as a small business in the trucking industry.


RD Transport

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.


Buffalo Trucking

We have had nothing but a great experience. Fast and on time payment, easy document submission and very prompt to assist with any questions or concerns. Their web interface is also a great tool for tracking payments.


One Road Express

Why InstaPay?

No more worries

Want to take the headache out of getting paid? When you rely on InstaPay for freight factoring, we handle all aspects of your invoicing and collections. Our online portal is faster and more convenient to use than submitting invoices via email or fax. You can count on us to get you paid quickly.

Endless benefits

Our services can be a benefit to carriers in numerous ways. Because you get your payments from us almost immediately, you’ll have the cash flow needed to make payroll, keep up with maintenance, and reinvest in your fleet. You'll also reduce overhead costs and time spent on handling collections.

Fast payment

Instead of waiting up to 30 days for your money, our factoring company for carriers pays you within 24 hours. That means you can maintain your cash flow to make payroll and keep up with the maintenance of your trucks. You also get a flat 3% rate, no hidden costs, and same-day payments.

Collections on us

Count on our freight factoring company to take care of your invoices and collections, and you’ll not only know that you’ll be paid promptly — you’ll also free up your time to concentrate on what you do best. Never spend time tracking down shippers again.

Talk to an expert

Call us now! We can help you decide if InstaPay Financing is right for you.

Call (855) 777 2242

Se habla Español. Llame al (512) 518-1042