Transportation Factoring

Trucking Financing

Financing solutions for owner operators, freight brokers, and 3PLs of all sizes. Same-day transfers, human support, and flat rates.

Apply Today →
Factoring for Carriers
Don't wait for brokers to pay you. Submit invoices to InstaPay and we'll pay you the same day and handle the billing.

Rates from 1.5%

Flat rates per invoice. No hidden fees – ever.

No commitments

Cancel any time for any reason. No penalties.

Same-day pay

Funds in your bank the same afternoon.

Financing for Freight Brokers
Whether you’re a new or established brokerage, our broker factoring solutions can help you grow your business. Low rates, flexible terms, and guaranteed carrier QuickPay.

Rates from 1%

Flat rates per load. 


We'll handle carrier pay.

Same-day pay

Transfers within hours.

The InstaPay Difference

Sellers usually wait weeks to receive a payout from a marketplace. With InstaPay you can get paid daily for everything you ship.

Fast approval

You can start with InstaPay the same day you complete our online application. Start yours today here.

Same-day transfers

If your transfer is initiated by 1 PM ET the money will be in your bank account the same afternoon. Free of charge.


We do our best to make our service hassle-free for you. With human support, your problems actually get solved fast.

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?


Don't wait to receive payments from your clients— try InstaPay, the first freight factoring company for trucking that has one flat rate, same-day funding, and no sign up or termination fees. Apply now and get approved on the same day.

It's simple

Our trucking factoring solutions are tailored to meet your needs. Get signed up in minutes for our standard 3 percent non-recourse product for carriers, or request a quote if your fleet is more than five trucks in size.

Fast payment

As soon as the load is processed, you get your money. In most cases, our factoring service can return payment to you that day or the next. No more waiting weeks for payments to show up in your account. This ensures that you’ll have the capital you need for payroll, maintenance, fuel, and more.

Collections on us

When you pick InstaPay, we handle all invoicing and collections for you. Whether you’re a carrier or a broker, our factoring services streamline the process of getting paid for your hard work. Just upload your invoices to our online portal and we take care of the rest.  

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