Stop waiting 30, 60, or 90 days for payment. Deliver your load, submit your invoice, and get cash in your account today.
Getting started with freight factoring is simple. Three steps and you're getting paid the same day.
After you deliver a load, send us the bill of lading and invoice. You can do it from your phone — it takes about 2 minutes.
We verify the load with the broker or shipper and deposit your payment directly into your bank account — typically the same day.
We handle the collections from the broker. You focus on driving and growing your business — we deal with the paperwork.
We built our factoring program around what truckers actually need — fast cash, fair rates, and no surprises.
No more waiting weeks or months. Submit your invoice and get paid the same day you deliver. Your cash flow stays healthy.
Competitive factoring rates that keep more money in your pocket. No hidden fees, no surprises on your statement.
If a broker doesn't pay, that's on us — not you. Our non-recourse program protects you from bad debt and credit risk.
We don't hold back a percentage of your payment. You get the full advance with no reserve requirement.
No application fees, no setup costs, no hidden charges to get started. You sign up and start factoring — it's that simple.
Need cash for fuel before delivery? We offer fuel advances so you can keep your truck on the road without dipping into savings.
Rated 5.0 ★ on Google — don't just take our word for it.
"I recently switched over to Capital Hart, and they've been fantastic. They're incredibly responsive, often replying within hours. And if there's ever a delay, they always notify me promptly and keep me updated. Compared to other factoring companies I've worked with, Capital Hart truly stands out for their professionalism and efficiency."
"Capital Hart Factoring has been great to work with. Payments are always timely and their customer service is excellent—responsive, professional, and easy to deal with. Highly recommend them to anyone looking for a reliable factoring company."
"Capital Hart Corp truly went above and beyond my expectations. Right from the beginning, their team showed professionalism, honesty, and genuine support. They explained the factoring process clearly, step by step, which made everything simple and stress-free. The funding was fast, the terms were reasonable, and their communication was outstanding at every stage."
"A friend told me about Capital Hart a few weeks ago. I called and spoke to them to see how payments, timing, and percentage would be and I couldn't believe how cheap and fast they were! The credit check is almost instant — once I sent the request, within a minute I get an answer! Highly recommend."
"I don't usually leave reviews but good work needs to be acknowledged. Every time I bill my loads with Capital Hart I get paid so fast. They always make sure their carriers get paid quick."
Whether you're an owner-operator with one truck or a small fleet, we make factoring easy.
Running your own rig means you need consistent cash flow. We help you get paid fast so you can cover fuel, maintenance, and keep moving. Learn more →
Managing a fleet means managing payroll, insurance, and overhead. Our factoring program keeps your cash flowing so you can focus on growing. Learn more →
Stuck in a bad factoring contract? We'll help you transition out of your current agreement and get you set up with better terms. Start here →
Apply in 2 minutes. No obligations, no credit check, no startup fees. Just faster cash flow for your trucking business.
Get Your Free Quote →New to freight factoring? Here are the basics. See all FAQs →