Non-recourse factoring

Factoring for Owner Operators

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

Apply today and factor your first load for FREE.

Simple Pricing

Flat rate

Single 3% rate per load.

No transaction fees

We don't charge any transfer or hidden fees.

Try for free

Quick application and no signup fees.

Zero Hassle

Invoicing is on us

We bill your clients and handle collections.


If the broker goes bankrupt, the risk is on us.

Same-day funding

Send docs by noon, we'll transfer 💵 the same day.

Full Flexibility

No contract term

We don't charge a termination fee – cancel any time.

No volume requirement

Factor as much as you want.

Grow with us

If you grow you may qualify for a discount.

Extra Perks

Fuel advances

Receive an advance before you haul.

Free credit checks

Check if a broker is eligible online or via phone.

Phone support

Our team will help you resolve issues fast.