Carrier Freight Factoring

Delivered in AM
Paid in PM

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

Apply now

Low flat rates

Standard non-recourse 3% or lower. No hidden fees— ever.

No commitments

Cancel any time for any reason. No sign-up or termination fees.

Same-day payment

Submit invoices by 12:30pm ET to get paid the same day.

Low flat rates

Standard non-recourse 3% or lower. No hidden fees— ever.

No commitments

Cancel any time for any reason. No sign-up or termination fees.

Same-day payment

Submit invoices by 12:30pm ET to get paid the same day.

Flat rates
No hidden fees

Our standard rate for fleets under 5 trucks is 3% non-recourse. See if you qualify for a lower rate by contacting our team today.

Flat non-recourse rate

No reserves

Full advance

Free from commitments

No contract term

No termination fees

No minimum volume

You have enough commitments in your life. So we won’t lock you up in a 90-day trial. Try us for free and cancel at any time.

No contract term

No termination fees

No minimum volume

Try for free
Online access
View payment history
Submit new invoices
Free credit checks
Chat with us online
Online access
View payment history
Submit new invoices
Free credit checks
No more hassle

Rely on InstaPay to handle all invoicing and collections. Our online portal is fast and convenient for submitting loads and tracking payments.

Apply now
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.

Flat rates from 1.99%

Free credit checks

No hidden fees

How it works
How to get started
Apply online

Fill out our 2-minute application. Answer some questions and upload some documents.

Submit invoices

Once you’ve completed your application, simply log in to the portal and submit your invoices.

Get funded

Approvals normally take less than hour. Submit an invoice by 12:30pm ET to get paid the same day.

Testimonials ❤️
Mark
Buffalo Trucking

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.

Richard
RD Transport

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.

Amanda
One Road Express

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.

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.

Still deciding?

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

855 777 2242Factoring Agreement