For trucking company owners only
I find the money brokers haven’t paid you and help you get it back
In 2 weeks, I’ll review every load past 30 days in your aging report for free and tell you which money will come back. Then my team follows up with the brokers and, if needed, files a claim against their bond.
Pick your fleet size to book the free audit
- $3.5M
- Collected for one client in 2026 alone
- 2 weeks
- Free review of your aging report
- 15%
- Only of the money we collect
We follow up on every load, oldest first, and if a broker still won’t pay, we file a claim against their bond.
Sound familiar?
- Broker hasn’t paid in 60 days
- Factoring hit us with another chargeback
- The contract said 1%. Why are we paying 3%?
- Another 1% for same-day
- The contract renewed itself
- One BOL page is missing
- Broker says “that’s not our load”
- Slow month, and we got a charge
- Should we file a bond claim?
- New MC, they offered us 3%
Aging
We collect from brokers, starting with your oldest load
Brokers should pay in 30–40 days, but some never pay unless someone follows up. We’ve seen a client’s load go unpaid for 138 days.
I always start aging with the oldest load. First the loads past 60 days, then past 46, then past 30.
- 1
Paperwork
First we check that the BOL, POD and rate con are complete, because without full paperwork the broker has the right not to pay.
- 2
Email and call
We email the broker to ask when and how much they’ll pay. If there’s no answer, we call.
- 3
Broker portal
Large brokers show each load’s payment date on their payment portal.
- 4
Bond claim
If the broker still won’t pay, we file a claim against their bond.
- 5
Collections
Collections comes last, because the agency keeps 45–50% of what it recovers.
Most unpaid loads I’ve seen trace back to a BOL the driver never sent.
Many factoring companies take back the money for an unpaid load out of your next loads after a set period. That’s a chargeback. Until the old load is collected, that money is coming out of your pocket.
For this work we take 15% of the money we collect from brokers. If nothing is collected, you pay nothing.
| Load | Broker | Days | Amount | Status |
|---|---|---|---|---|
| #4821 | Broker A | 138 | $3,200 | Paid |
| #4790 | Broker B | 109 | $2,750 | Paid |
| #4755 | Broker C | 94 | $4,100 | Paid |
| #4702 | Broker D | 61 | $1,980 | Paid |
| #4688 | Broker E | 47 | $2,300 | Paid |
Contract
A 1.25% contract can cost you 2.90%
Most owners only look at the rate. The contract runs 20–25 pages, and the other fees are written into the clauses deeper inside.
- 1
Factor fee 1.25%
The rate the agent quotes and the contract shows up front.
- 2
Flex rate +0.65%
Another 0.65% is added based on volume, and the rate becomes 1.90%.
- 3
Same-day / wire +1%
Need the money the same day? Wire adds another 1%, for 2.90% in total.
When I read a contract, I find every fee, add each one to the rate, and work out how much really leaves your account every month.
Say you submit $100,000 a month and take same-day funding every time.
That’s $19,800 more a year.
What else your contract may include
Monthly minimum
Submit less in a slow month and your rate goes up or an extra charge shows up.
Auto-renewal
Miss the notice 90 days before the end date and the contract renews itself for another year.
Term
You agreed to one year, but the contract may say 18 months.
Termination fee
Leave the contract early and you pay a separate fee.
Processing and wire fees
Small charges per load or per transfer that add up by the end of the month.
Aging fee
A separate charge for every day or month a broker pays late.
The agent reads your contract for the factoring company. We read it for you.
Results
$5,000,000+
That’s how much we’ve collected from brokers for our clients.
$3.5M
One client
The owner didn’t know that much money was stuck with brokers. The audit found it, and we collected it in 2026 alone.
1–1.5%
New MCs
We’ve secured fixed rates for 3–4 months for new companies with 1–3 trucks. Factoring companies usually give that rate to fleets of 15–20 trucks.
Below market
Our client base
We bring factoring companies a lot of clients, so companies that come through us pay a lower rate than they’d get on their own.
We don’t name our clients.
Abdulloh
Factoring and aging specialist
About me
I’m not a factoring company
A factoring company and its agent both look out for the factoring company. I stand between factoring and you, and I protect your interests.
I studied finance and taught the factoring section of the ACCA program. Today my team runs factoring and aging for trucking companies across the US.
- ACCA · factoring section
- US trucking companies
- Uzbek · Russian · English
Calculator
What are you really paying for factoring?
Enter the numbers from your contract. This is an estimate. In the audit, I’ll work out the exact figure from your contract.
Your real rate
2.90%
Your 1.25% contract actually costs you 2.90%.
- Factoring costs you per month
- $2,900
- Per year
- $34,800
- Above your contract rate, per year
- $19,800
The calculator multiplies your monthly volume by your contract rate plus flex rate, adds the same-day percent on the share you take same-day, and then adds your other fees.
Free audit · 2 weeks
In 2 weeks, we review your factoring from start to finish
You pay nothing for the audit. Once you see the results, you decide whether to work with us.
- 01
Aging
We go through every load past 30 days and sort out which money will come back, which loads are missing paperwork, and which brokers need a bond claim.
- 02
Brokers
We check whether the brokers you work with have an active bond, insurance and operating authority.
- 03
Contract
We list every fee separately and calculate what factoring really costs you each month. We also tell you when the contract ends and the last day to stop auto-renewal.
- 04
Results
We show every problem we find in dollars and tell you what to do about it. The report stays with you.
Services
Which one sounds like you?
We clean up your contract and your aging
- We negotiate a lower rate with your factoring company based on their volume tiers.
- We go through clauses like the monthly minimum and termination fee and work to get them removed.
- We follow up with brokers on unpaid loads every day.
- We keep an eye on the bond and insurance of the brokers you work with.
We work with factoring companies every day, so these conversations are routine for us.
We open your factoring account at a low rate
- I help you choose a factoring company and set up a three-way meeting with the agent.
- In that meeting, I negotiate the rate, the monthly minimum and the term on your side.
- We’ve secured fixed 1–1.5% rates for 3–4 months for new companies with 1–3 trucks.
- For a company with a clean history, we open the account in 5–6 business days.
Once your application is in, switching to another factoring company gets harder, so it’s best to talk before you apply.
We handle the switch from start to finish
- We find your contract end date and the last day to give notice.
- We calculate the cheapest way to close your open balance.
- We make sure the old factoring company sends brokers a letter of release and the new one sends its NOA.
- We check that brokers don’t keep paying your old factoring company.
If a broker pays the old factoring company, getting that money back takes extra time and emails.
How it works
What happens after you apply?
- 1
Apply 1 minute
Answer 5 quick questions about your company.
- 2
Call 15 minutes
My team calls you and explains what we need for the audit.
- 3
Audit 2 weeks
We review your contract, your aging and your brokers.
- 4
Results Free
We walk you through the results on a video call. The report stays with you.
Who it’s for
This audit is for trucking company owners
A good fit
- Your MC or DOT is in your name.
- You work with a factoring company or want to open an account.
- You have loads brokers haven’t paid for.
- Even if you run 1 truck, we’ll do the audit.
Not a fit
- You’re a dispatcher, updater or bookkeeper.
- You’re a company driver or lease operator.
- You work for a factoring company or a broker.
Pricing
If we don’t collect, you don’t pay
Audit
Free
Takes 2 weeks. The report stays with you.
- Pay only for results
Aging
15%
Only of the money we collect from brokers. If nothing is collected, you pay nothing.
Contract & account
Agreed upfront
I’ll quote rate negotiation, switching factoring, or opening a new account before any work starts.
For example, if we collect $10,000 from brokers, we keep $1,500 and $8,500 stays with you.
FAQ
Common questions
Is the audit really free?
Yes, you pay nothing for the audit. Once you see the results, you decide whether to work with us, and the report stays with you either way.
How does the 15% work?
We take 15% only of the money we collect from brokers. For example, if we collect $10,000, we take $1,500. If we collect nothing, we charge nothing.
Are you a factoring company?
No. I’m not a factoring company and I don’t sell factoring. I stand between factoring and you, and I negotiate on your side.
Will this hurt my relationship with my factoring company?
No. We work with factoring companies every day. Lowering a rate or changing a contract is a routine conversation for us.
My contract hasn’t ended yet. Do I still need the audit?
Yes. Even mid-contract, your rate can be renegotiated based on volume tiers. We’ll also tell you ahead of time when your contract ends and the last day to stop auto-renewal.
Doesn’t my factoring company collect from brokers anyway?
Your factoring company has plenty of its own work. If nobody on your side follows up on a load past 30 days, it just sits in aging. And after a set period, many factoring companies take that money back out of your next loads.
My English isn’t great. Is that a problem?
No. We read the contract, and we talk to the agent and the brokers ourselves. With you, we can talk in Uzbek, Russian or English.
What do you need for the audit?
Your factoring contract, your aging report and access to your factoring portal. We’ll tell you the rest on the call.
Will my information stay private?
Yes. We look at your contract and reports only for the audit and don’t share them with anyone.
I just got my MC and don’t have factoring yet. Can you help?
Yes. I’ll help you choose a factoring company, talk to the agent, and open your account at a low rate. For a company with a clean history, the account opens in 5–6 business days.
In 2 weeks, I’ll find the money stuck with your brokers, for free
The form takes 1 minute. The audit is free, and the report stays with you.
Pick your fleet size
For trucking company owners only