FACTORING FOR OWNER OPERATORS

Freight factoring built for wherever the road takes you

Fast funding, reliable support and tools to keep your business moving.

TALK TO AN EXPERT

We help owner operators stay ahead of their cash flow challenges

No more waiting on slow-paying customers – get the funds you need for fuel, maintenance, insurance, and everything it takes to keep your business moving forward. We’ll even handle billing and collections, so you can stay focused on the road, take on more loads, and run a stronger business.

Get paid faster

Easily submit invoices and request payment in as little as an hour.

Best-in-class fuel program

Spend less on fuel and keep your trucks moving with $5k in pre-approved credit.

Run your business anywhere

Simplify finances and manage your cashflow with ease with our mobile app.

OWNER OPERATOR FACTORING

Factoring for owner operators who want to haul more, get paid faster, and grow stronger

We’ve been in the industry for nearly two decades, so we know what it takes to run a trucking business. When you work with eCapital, you get more than just factoring. You get the tools, expert support, and savings that make running your operation simpler, smarter, and more sustainable.

Priority Funding

Get paid in as quick an hour and move money fast with Instapay.

Great Fuel Discounts

Access nationwide fuel discounts that help you cut costs and keep more of your money on every haul.

Reduce Operating Costs

We offer resources to help you save on tires, maintenance, and the everyday expenses that keep your truck moving.

Simple, Easy-to-use Tools

Upload invoices and manage your account, right from your phone. Easy, streamlined, and built for life on the road.

Support from Freight Experts

Our team knows trucking. You’ll get dedicated support from industry experts who are here to help you keep your business running strong.

Non-recourse Factoring Available

If your customer doesn’t pay – we got you covered. We take on the risk of non-payment so you can operate with total confidence.

FUEL DISCOUNT PROGRAM

Reduce operating costs with fuel discounts and bundled savings

Access $5,000 in pre-approved fuel credit and save at fuel stops across North America. Combine fuel and factoring services to qualify for a reduced factoring rate, helping you save big at the pump and cut costs where it matters most.

CLIENT PORTAL AND MOBILE APP

Track, transfer, and get paid—anytime, anywhere

Manage your cash flow and simplify operations with technology built for the pace of trucking. The eCapital platform and mobile app make it easy to submit invoices, track payments, and access funds – anytime, anywhere. Get real-time insights, faster funding, and the tools you need to keep your business running smoothly.

  • Instantly upload invoices from their phone for fast funding.
  • Request payments in as little as an hour or the same day.
  • Move funds on your schedule, 24/7.
  • Transfer money with just a few taps.
  • Track invoices, funding status and reporting in one place.
eCapital dashboard on a phone.

DIVE DEEPER

Standard

Recourse or Non-Recourse Factoring Options
Full Back-office Support & Dedicated Account Managers
ACH & Wire Transfers
Same-day Funding
Unlimited Free Credit Checks
1-hour Funding
InstaPay Instant Self-Directed Transfers
24/7 Online Access to Cash
Bulk & Non-notification Factoring Available for Fleets
Additional Factoring Rate Discounts
Access to Fuel Discounts at 16,000 Locations
Pre-approved Credit Terms on Fuel Card ($5,000)

eCapital

Recourse or Non-Recourse Factoring Options
Full Back-office Support & Dedicated Account Managers
ACH & Wire Transfers
Same-day Funding
Unlimited Free Credit Checks
1-hour Funding
InstaPay Instant Self-Directed Transfers
24/7 Online Access to Cash
Bulk & Non-notification Factoring Available for Fleets
Additional Factoring Rate Discounts
Access to Fuel Discounts at 16,000 Locations
Pre-approved Credit Terms on Fuel Card ($5,000)

eCapital Bundle w Fuel

Recourse or Non-Recourse Factoring Options
Full Back-office Support & Dedicated Account Managers
ACH & Wire Transfers
Same-day Funding
Unlimited Free Credit Checks
1-hour Funding
InstaPay Instant Self-Directed Transfers
24/7 Online Access to Cash
Bulk & Non-notification Factoring Available for Fleets
Additional Factoring Rate Discounts
Access to Fuel Discounts at 16,000 Locations
Pre-approved Credit Terms on Fuel Card ($5,000)

eCapital Freight Factoring vs. Standard Factoring

With eCapital’s freight factoring solution, you’ll always get more—more cash flow, more flexibility, and more support. Get paid faster, keep your trucks moving, and focus on growing your business while we handle the rest.

STANDARD FREIGHT FACTORING eCapital FREIGHT FACTORING eCapital FREIGHT FACTORING BUNDLE with FUEL
Recourse or Non-Recourse Factoring Options
Full Back-office Support & Dedicated Account Managers
ACH & Wire Transfers
Same-day Funding
Unlimited Free Credit Checks
1-hour Funding
InstaPay Instant Self-Directed Transfers
24/7 Online Access to Cash
Bulk & Non-notification Factoring Available for Fleets
Additional Factoring Rate Discounts
Access to Fuel Discounts at 16,000 Locations
Pre-approved Credit Terms on Fuel Card ($5,000)
Owner-operator sitting in his truck, reaching his hand out for a hand shake.

Earn more cash,
one referral at a time

You’ve built strong relationships in the industry

Refer another company to eCapital, and you’ll help them access the capital they need to grow—whether through A/R financing, asset-based lending, supply chain finance, or another tailored solution—while you earn additional revenue from every funded referral.

If your referral becomes a client, you can earn between $500 and $5,000

REFER TODAY

Freight financing that delivers—just ask our clients!

For over 18 years eCapital, a freight factoring company, has helped more than 30,000 businesses grow. We want to do the same for you. Take a look at the latest reviews from our customers.

LETS TALK

Get a quote from a factoring expert
in 5 minutes.

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Frequently asked questions
about factoring for owner operators

How does freight factoring help owner-operators?

Freight factoring gives owner-operators fast access to the money they’ve earned — without waiting weeks for brokers to pay. By turning invoices into same-day cash, you can stay ahead of fuel costs, repairs, insurance, and other day-to-day expenses that keep your truck on the road.

Can I qualify for factoring as a new owner-operator?

Yes. Getting approved with eCapital is simple — even if you’re just starting out. We evaluate the credit of your customers rather than relying only on your own credit history. That makes it easier for new and growing carriers to get the funding they need from day one.

How quickly will I get paid after delivering a load?

While being an owner-operator offers more freedom and earning potential, it also comes with significant challenges. One of the biggest drawbacks is the financial responsibility. Owner-operators cover all major expenses themselves, including truck payments, insurance, fuel, maintenance, and repairs. These costs can add up quickly, especially during periods of lower freight rates or unexpected breakdowns.

Once you’re set up, you can get paid within 24 hours of submitting your load documents — often faster. With eCapital’s mobile app, you can upload paperwork on the go and receive funds without delay, helping you avoid gaps in your cash flow.

What tools does eCapital provide to support owner-operators?

eCapital offers more than just funding. You’ll have access to fuel discount programs, 24/7 client support, a mobile app for document uploads, and back-office tools that help you focus on driving while we handle the paperwork.

How does factoring improve cash flow for trucking businesses?

Factoring bridges the gap between delivery and payment by giving you immediate access to working capital. That means you can cover fuel, payroll, and maintenance without relying on credit cards or waiting 30+ days for broker payments.

Can I bundle factoring with other services?

Yes. Many owner-operators combine factoring with fuel cards and other financial tools to simplify operations and boost profitability. eCapital offers tailored solutions to help you grow your business with less stress and more control.

Why do so many trucking professionals choose eCapital?

eCapital is built specifically for the trucking industry. We understand the cash flow challenges that come with running your own truck and provide reliable, flexible funding to keep you moving. Our team is available around the clock — so you’re never on your own when it matters most.

Ask an Expert

We’ve got a team of financing experts available to answer any questions you may have about freight factoring.
GET STARTED TODAY

Looking to learn more about freight factoring?

Read our article Freight Factoring for Truckers: Everything You Need to Know [An Ultimate Intro Guide]

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