Running a small trucking business or working as an owner-operator comes with tight cash flow. Waiting 30 to 60 days for shipper payments can stall your operations. Freight factoring solves this by letting you sell unpaid freight invoices to a factoring company. You’ll get up to 95% of the invoice amount upfront—helping you cover fuel, maintenance, and payroll so you can stay on the road and grow your business without delays.