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FACTORING FOR OWNER OPERATORS
Freight factoring built for wherever the road takes you
Fast funding, reliable support and tools to keep your business moving.
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.
DIVE DEEPER
What is freight factoring and how will it benefit your o/o business?
Freight factoring is a financial solution that helps truck owner-operators get paid faster by turning their unpaid invoices into immediate cash. Instead of waiting 30, 60, or even 90 days for brokers or shippers to pay, a factoring company—like eCapital—advances you most of the invoice amount up front and collects payment from your customer later.
Freight factoring gives owner-operators the flexibility and cash flow to stay focused on driving, growing, and running a successful trucking business.
Have more questions? Our experts are here to make funding simple, clear, and stress-free.
Meet Our Experts
What businesses can benefit most from owner operator factoring:
- Independent drivers waiting weeks to get paid for completed hauls
- Owner-operators needing upfront cash for fuel, repairs, and tolls
- Drivers expanding from one truck to multiple units
- Operators running on tight margins with unpredictable payment timelines
- New entrants to the industry without access to traditional business credit
- Contractors working under load boards or dispatchers with variable pay cycles
- Truckers covering long-distance routes with high upfront operating costs
- Self-employed haulers seeking flexible working capital for growth
- Owner-operators navigating seasonal slowdowns or regional disruptions
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.
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 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
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.
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.
