Smarttrucker FREIGHT FACTORING
Smarttrucker FREIGHT FACTORING
Fast, Flexible Factoring
Fast, Flexible Factoring
See your money hit your account in just hours and hold on to more of it with flexible contracts and non-recourse protection.
See your money hit your account in just hours and hold on to more of it with flexible contracts and non-recourse protection.
NON-RECOURSE
NO ANNUAL CONTRACTS
FAIR FREIGHT FACTORING
RATES AS LOW AS 2.5%
NON-RECOURSE
NO ANNUAL CONTRACTS
FAIR FREIGHT FACTORING
RATES AS LOW AS 2.5%
TruckSmarter is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. The TruckSmarter Visa Debit Card is issued by Threrad Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and maybe used everywhere Visa is accepted.
It’s fast. It’s flexible.
It’s driver-first factoring.
Yep, we pay fast–but there’s more to it. Hold on to your freedom and your funds with a low rate, no annual contracts or hidden fees, and payment 7 days a week.
RATES AS LOW
AS 2.5%
RATES AS LOW AS 2.5%
Based on your invoice volume, we’ll calculate a flat rate between 2.5%-3%, and work with you in the future to lower your rate as your invoice volume increases.
Based on your invoice volume, we’ll calculate a flat rate between 2.5%-3%, and work with you in the future to lower your rate as your invoice volume increases.
Are you a fleets owner? Visit For Fleets to learn more about our most competitive Factoring rate, for fleets only.
Are you a fleets owner? Visit For Fleets to learn more about our most competitive Factoring rate, for fleets only.
Click. Click. Cash.
Paydays are just seconds away–even on weekends and holidays. In fact, we pay 50% of our invoices within 2 hours.
Paydays are just seconds away–even on weekends and holidays. In fact, we pay 50% of our invoices within 2 hours.
Paydays are just seconds away–even on weekends and holidays. In fact, we pay 50% of our invoices within 2 hours.
1
Scan your docs
Scan your docs
Take a clear photo of your rate con and POD with our in-app scanner and we’ll generate and manage your invoices.
2
Get paid fast
Get paid fast
The second your invoice is cleared, we’ll deposit payment to your FDIC-insured TruckSmarter Checking Account.*
3
Spend. Save.
Earn interest.
Spend. Save.
Earn interest.
Use your TruckSmarter Card anywhere Visa is accepted or keep money in your account and earn 3.27% APY!**
Use your TruckSmarter Card anywhere Visa is accepted or keep money in your account and earn 2.96% APY!**
Cut your #1 cost. Compound savings.
Cut your #1 cost. Compound savings.
Save $1000s at the pump yearly with fuel discounts plus $100s more with extra fuel savings for drivers who factor with us.
Save $1000s at the pump yearly with fuel discounts plus $100s more with extra fuel savings for drivers who factor with us.
Where ever you go
Free money
management tools
Factor a load, however you like! On both mobile and desktop, you can get paid fast, track payments, and contact our support team with ease.
Desktop
Desktop
Mobile
Mobile
Free money management tools
Free money
management tools
Build, manage, and grow your profit with a free suite of banking tools to help you earn, spend, and save smarter.
Track expenses & revenue
Set, adjust, and hit your savings goals with a breakdown of where you spend your money and insights into your transactions.
Factoring advances
Drivers who factor with us can now request a factoring advance directly from the app. Get paid up to 50% immediately after pick up.
TruckSmarter Debit
Use your TruckSmarter Debit Card anywhere Visa is accepted and get free withdrawals at 55K ATMS.
Earn 2.96% APY**
Factor with us and watch your money make money in the high-interest bearing TruckSmarter Checking Account.
FDIC-insurance*** on deposits
Keep your money safe in the TruckSmarter Checking Account! Your funds are FDIC-insured up to $3,000,000*** through our banking partner Thread Bank; Member FDIC
Fuel discounts
Factor with us and get extra fuel savings on top of the listed TruckSmarter Fuel Discount. Plus you may be eligible for Fuel Line of Credit.
non-recourse Protection
This means if a broker goes bankrupt before paying you, we take the hit so you and your business can keep moving.
3.7K+ APPROVED BROKERS
When you factor with us, you work with vetted, trustworthy
freight brokers.
Free broker credit checks
Free broker credit checks
To ensure you’re working with trusted partners, we only factor loads from brokers we’ve vetted through a free credit check.
Factorable label
Factorable label
To make it easy to spot the brokers we’ll factor with (who passed a credit check), we tag them as “Factorable.”
Request a broker
Request a broker
Have a broker you love to work with? Request them in the app and we’ll conduct a free credit check instantly.
No Hidden fees. Ever.
When you factor with us, you don’t have to worry about upload fees, cancellation fees, reserves, minimums, or obligations.
NO CANCELLATION FEES
NO UPLOAD FEES
NO RESERVES
NO MINIMUMS
NO OBLIGATION
NO CANCELLATION FEES
NO UPLOAD FEES
NO RESERVES
NO MINIMUMS
NO OBLIGATION
Stuck in a freight factoring contract?
We can help you out of it, even if you have outstanding invoices. Switching factoring companies can be complicated, but our team will walk you through it.
Don’t worry, we can help you out of it. Switching factoring companies can be complicated, but our team will walk you through the process.
Call or text (404) 738-7125
#1 APP FOR TRUCK DRIVERS
Get the app! Give us your mobile number below, and we’ll text you a link to download the app.
By providing your phone number, you agree to our Terms of Service and consent to receive texts from TruckSmarter for marketing purposes.
Dedicated Factoring Support
Our US-based team is on-hand to answer your questions and find solutions quickly.
Our Factoring Team in Chicago is ready to help.
Call or text (404) 738-7125 or email factoring@trucksmarter.com.
Monday–Friday 8:00am–6:00pm CT
Hours:
Our Factoring Team in Chicago is ready to help.
Call or text (404) 738-7125 or email factoring@trucksmarter.com.
Monday–Friday 8:00am–6:00pm CT
Monday–Friday 10AM–6PM CT
Our Factoring Team in Chicago is ready to help.
Call or text (404) 738-7125 or email factoring@trucksmarter.com.
Monday–Friday 8:00am–6:00pm CT
Call or text:
Our Factoring Team in Chicago is ready to help.
Call or text (404) 738-7125 or email factoring@trucksmarter.com.
Monday–Friday 8:00am–6:00pm CT
(404) 738-7125
Our Factoring Team in Chicago is ready to help.
Call or text (404) 738-7125 or email factoring@trucksmarter.com.
Monday–Friday 8:00am–6:00pm CT
Email:
Our Factoring Team in Chicago is ready to help.
Call or text (404) 738-7125 or email factoring@trucksmarter.com.
Monday–Friday 8:00am–6:00pm CT
factoring@trucksmarter.com
Our Factoring Team in Chicago is ready to help.
Call or text (404) 738-7125 or email factoring@trucksmarter.com.
Monday–Friday 8:00am–6:00pm CT
Dedicated Factoring Support
Our US-based team is on-hand to answer your questions and find solutions quickly.
Hours:
Monday–Friday 10AM–6PM CT
Call or text:
(404) 738-7125
Email:
factoring@trucksmarter.com
Dedicated Factoring Support
Our US-based team is on-hand to answer your questions and find solutions quickly.
Hours:
Monday–Friday 10AM–6PM CT
Call or text:
(404) 738-7125
Email:
factoring@trucksmarter.com
Dedicated Factoring Support
Our US-based team is on-hand to answer your questions and find solutions quickly.
Hours:
Monday–Friday 10AM–6PM CT
Call or text:
(404) 738-7125
Email:
factoring@trucksmarter.com
FACTORING FAQs
FACTORING FAQs
What is required to get started?
How quickly will I get paid?
Is there a deadline to get paid on weekends or holidays?
What are the benefits of the TruckSmarter Debit Card?
How long does it take to get my TruckSmarter Debit Card?
What are the fees for transferring money in and out of the TruckSmarter account?
Do I need to have a specific equipment type?
What if I’m currently in a factoring contract but I want to switch to TruckSmarter?
What brokers are currently supported?
What is required to get started?
How quickly will I get paid?
Is there a deadline to get paid on weekends or holidays?
What are the benefits of the TruckSmarter Debit Card?
How long does it take to get my TruckSmarter Debit Card?
What are the fees for transferring money in and out of the TruckSmarter account?
Do I need to have a specific equipment type?
What if I’m currently in a factoring contract but I want to switch to TruckSmarter?
What brokers are currently supported?
What is required to get started?
How quickly will I get paid?
Is there a deadline to get paid on weekends or holidays?
What are the benefits of the TruckSmarter Debit Card?
How long does it take to get my TruckSmarter Debit Card?
What are the fees for transferring money in and out of the TruckSmarter account?
Do I need to have a specific equipment type?
What if I’m currently in a factoring contract but I want to switch to TruckSmarter?
What brokers are currently supported?
What is required to get started?
How quickly will I get paid?
Is there a deadline to get paid on weekends or holidays?
What are the benefits of the TruckSmarter Debit Card?
How long does it take to get my TruckSmarter Debit Card?
What are the fees for transferring money in and out of the TruckSmarter account?
Do I need to have a specific equipment type?
What if I’m currently in a factoring contract but I want to switch to TruckSmarter?
What brokers are currently supported?
What is required to get started?
How quickly will I get paid?
Is there a deadline to get paid on weekends or holidays?
What are the benefits of the TruckSmarter Debit Card?
How long does it take to get my TruckSmarter Debit Card?
What are the fees for transferring money in and out of the TruckSmarter account?
Do I need to have a specific equipment type?
What if I’m currently in a factoring contract but I want to switch to TruckSmarter?
What brokers are currently supported?
What does FDIC-insured mean?
Is TruckSmarter non-recourse?
How can I contact your Factoring Team?
What does FDIC-insured mean?
Is TruckSmarter non-recourse?
How can I contact your Factoring Team?
What does FDIC-insured mean?
Is TruckSmarter non-recourse?
How can I contact your Factoring Team?
What does FDIC-insured mean?
Is TruckSmarter non-recourse?
How can I contact your Factoring Team?
Resources
©2024 TruckSmarter, Inc.
*TruckSmarter is a financial technology company and is not a bank. Banking services are provided by Thread Bank, Member FDIC. FDIC insurance available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions. The TruckSmarter Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa USA Inc. and may be used anywhere Visa cards are accepted.
**Annual Percentage Yield (APY) of 2.96% is effective as of 09/19/2024. This is a variable rate and may change after the account is opened. Fees could affect earnings on the account. TruckSmarter is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. The TruckSmarter Visa® Debit Card is issued by Thread Bank, Member FDIC pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://go.thread.bank/sweepdisclosure and a list of program banks at https://go.thread.bank/programbanks. Please contact with questions regarding the sweep program.
****Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.
Resources
©2024 TruckSmarter, Inc.
*TruckSmarter is a financial technology company and is not a bank. Banking services are provided by Thread Bank, Member FDIC. FDIC insurance available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions. The TruckSmarter Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa USA Inc. and may be used anywhere Visa cards are accepted.
**Annual Percentage Yield (APY) of 2.96% is effective as of 09/19/2024. This is a variable rate and may change after the account is opened. Fees could affect earnings on the account. TruckSmarter is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. The TruckSmarter Visa® Debit Card is issued by Thread Bank, Member FDIC pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://go.thread.bank/sweepdisclosure and a list of program banks at https://go.thread.bank/programbanks. Please contact with questions regarding the sweep program.
****Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.
Resources
©2024 TruckSmarter, Inc.
*TruckSmarter is a financial technology company and is not a bank. Banking services are provided by Thread Bank, Member FDIC. FDIC insurance available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions. The TruckSmarter Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa USA Inc. and may be used anywhere Visa cards are accepted.
**Annual Percentage Yield (APY) of 2.96% is effective as of 09/19/2024. This is a variable rate and may change after the account is opened. Fees could affect earnings on the account. TruckSmarter is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. The TruckSmarter Visa® Debit Card is issued by Thread Bank, Member FDIC pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://go.thread.bank/sweepdisclosure and a list of program banks at https://go.thread.bank/programbanks. Please contact with questions regarding the sweep program.
****Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.
Resources
©2024 TruckSmarter, Inc.
*TruckSmarter is a financial technology company and is not a bank. Banking services are provided by Thread Bank, Member FDIC. FDIC insurance available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions. The TruckSmarter Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa USA Inc. and may be used anywhere Visa cards are accepted.
**Annual Percentage Yield (APY) of 2.96% is effective as of 09/19/2024. This is a variable rate and may change after the account is opened. Fees could affect earnings on the account. TruckSmarter is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. The TruckSmarter Visa® Debit Card is issued by Thread Bank, Member FDIC pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://go.thread.bank/sweepdisclosure and a list of program banks at https://go.thread.bank/programbanks. Please contact with questions regarding the sweep program.
****Terms and conditions apply to the TruckSmarter cash back rewards program. Please see Program Terms for details.