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InstaPayFreight factoring

The most transparent & simple factoring service in America. Designed for owner operators and small fleets.

Try InstaPay today

How it works

Just finished hauling a load? Send us your Bill of Lading and Rate Confirmation and we’ll pay you the next business day. It's that easy!

Still curious? Learn more

Rate & fees

Factoring rate3.5% per load
Setup feeFREE
Transaction feeFREE
Other feesNONE


When we pay1-2 business days
How we payACH deposit

For your convenience

Documents to sendBill of Lading and Rate Confirmation
Factoring typeNon-recourse
Who handles invoicesWe handle invoices
Volume commitmentNONE
Contract commitmentNONE
What loads can you factorAny legit loads
Mobile App

Ready to factor? Just take a photo of your documents and send them to us via our Truckloads app.

Need help?

Call us at 855 777 2242 or read FAQ!
Trucker Path InstaPay is the best factoring company I have dealt with: the pay is fast, people are friendly and very professional. I would recommend this factoring company to anybody and everybody.
Gary, GFL Transportation
Since handing my invoice billing hat to InstaPay, I no longer have to deal with that dreaded collections chore. All I have to do is send an email and my receivables are deposited to my account the next day.
Debbie, Walkabout Transport