No contracts. Ever.
Nothing to sign that locks you in, no notice period and no early termination fee. If you want to stop using us, you stop. We factor with recourse, which is why we never need to lock you in.
Freight factoring · Born in bulk, built for every load
No contracts. Paid the same day.
Smart Freight Funding is freight factoring with no contract to sign, ever, from the company that made its name in bulk. We fund every trailer type and any load: submit your paperwork through the Smart Freight Portal by 11 AM CST and you are paid the same day. No minimums, and a real person on the phone.
- Contracts to sign
- 0
- Paid on loads in by 11 AM CST
- Same day
- Team experience in trucking
- 50+ yrs
- Trailer types and freight
- All
What makes this different
We will never ask you to sign a contract.
No minimums
No minimum number of loads, no minimum dollar volume, no monthly commitment. A quiet month costs you nothing.
No hidden fees
No ACH fee, no invoicing charge, no monthly service fee. The rate you are quoted is the cost.
What we factor
Bulk made our name. We fund every load.
Smart Freight Funding built its reputation factoring bulk freight: hopper bottoms, end dumps, pneumatics and walking floors. It is still the credit we know best.
It has never been the limit of what we fund. Flatbed, reefer, van, livestock, tanker, hotshot: if it moves and it gets invoiced, we factor it, on the same terms.
Don’t see your trailer? Ask us.
These are the trailers we see most, not the only ones we fund. Step deck, RGN, belly dump, side dump, car hauler, curtain side, intermodal: if you haul it and invoice it, call and we will tell you straight whether we can factor it.
How it works
It is as easy as one, two, three.
- 01Monday, 9:40 AM
Haul the load
Book it wherever you book freight. You choose which customers you factor, customer by customer. Nothing obligates you to send us all of them.
- 02Monday, 10:15 AM
Send the paperwork
Upload all the paperwork for the load to the Smart Freight Portal: usually the rate confirmation, scale tickets and bill of lading.
- 03Monday afternoon
Get paid the same day
Loads submitted by 11 AM CST, Monday through Friday, are paid the same day. Loads submitted after 11 AM are paid the next business day. The money lands in your bank by ACH.
What you get
Everything included. Nothing hidden.
The list every factoring company publishes, and the one thing most of them leave off it: what happens when you want to stop.
No contracts
We will not make you sign a contract, because we hate contracts. You should be in control of your money. If you want to stop using us at any time, you are free to.
Same-day pay
Cash flow is everything in trucking, and doubly so in bulk. Most customers pay in 20 to 30 days. Get your paperwork in by 11 AM CST and you are paid the same day.
Invoicing included
We invoice the shipper or broker so you do not have to. You should get paid for hauling the load, not for filling out the paperwork afterward.
A personal accountant
Every client is assigned an accountant who handles their receivables. Same person, same phone number, every time. Rest when you are not driving.
Fuel card program
Fuel is the biggest line on the sheet. Our optional fuel card program puts discounts against it at the pump.
Full transparency
No ACH fees, no hidden charges. A real person answers the phone every single time: no robots, no automated menus, nobody reading from a script.
In their words
What carriers say.
Straight from carriers who factor with Smart Freight Funding.
I highly recommend Smart Freight Funding for all of your cash flow needs. They have removed the every day worries of operating cash for many of the owner operators who work for us. They are great partners to help grow your business.
It has been a great experience dealing with Smart Freight Funding. I pondered for a year whether or not I wanted to work with them, but now, I can't see myself working with anybody else. Thanks to the team at Smart Freight Funding for getting it done.
Smart Freight Funding has helped me so much and taken a huge headache off my lap. I always had to worry about getting paid and whether I'd have enough cash to make it week to week. Now I don't have that stress and can focus more on trucking.
A BulkLoads company
Smart Freight Funding, backed by BulkLoads.
Same name, same team, same phone number. Being part of the BulkLoads family means factoring works alongside the load boards, the TMS and the insurance you may already use.
Already factoring with us
Common questions
The questions people actually ask.
The rest are on the FAQ page. If yours is not on either, call the office and ask a person.
Do you only factor bulk freight?
No. Bulk is where Smart Freight Funding made its name, and it is still the credit we know best, but we factor every trailer type and any load: flatbed, reefer, dry van, livestock, tanker and hotshot as well as hopper bottom, end dump, pneumatic and walking floor. The terms are the same for all of them.
How long does it take to get paid?
Loads submitted by 11 AM CST, Monday through Friday, are paid the same day. Loads submitted after 11 AM are paid the next business day.
Do I have to factor all of my customers?
No. You choose which customers you factor and which you invoice yourself, customer by customer. The first time you factor a load for a customer, we send that customer a notice of assignment (NOA) so they pay us, and from then on you factor all of that customer's loads with us. If you later want to bill that customer yourself again, ask us for an NOA release for them.
What makes you better than any other factoring company?
Most factoring companies claim low rates, next-day pay, and no monthly minimums, then lock you into a contract and add fees that make the low rate not so low. We do not lock you into anything, and there are no hidden fees. It is your money we are handling.
Can my company use factoring?
Yes. We work with carriers of every size, from a single owner operator to a fleet of fifty. We are a company of about twenty people and we operate like we have thousands.
I am not very tech savvy. How will I send documents?
Through the Smart Freight Portal. Upload the paperwork for the load and send it, and you get paid the same day when it's in by 11 AM CST. There are training videos, and live support is available every day of the week.
Still deciding?
Talk to someone who knows this business.
Fifty years of dispatching, contracting, and accounting in trucking between them. They know what a scale ticket is and why a lumper receipt matters. Call before you apply if that is easier.
800-838-2907Smart Freight Funding: freight factoring for every load
Smart Freight Funding is a freight factoring company and part of the BulkLoads family of companies. We made our name factoring bulk freight, and bulk is still the credit we know best, but we factor every trailer type and any load: flatbed, step deck, reefer, dry van, livestock, tanker and hotshot as well as hopper bottom, end dump, pneumatic and walking floor.
Factoring turns an unpaid freight invoice into cash now. You haul the load, send us the rate confirmation and the signed bill of lading, and we advance the money against that invoice instead of you waiting the twenty to thirty days a broker or shipper normally takes. We invoice your customer, chase the payment, and carry the collections work.
We fund owner operators running one truck and fleets running fifty. There is no contract, no monthly minimum, no minimum number of loads, and no ACH fee, and you choose which of your customers you factor rather than being required to send us all of them.
Paperwork goes through the Smart Freight Portal: the rate confirmation, scale tickets, bill of lading and anything else the customer requires for the load. Loads submitted by 11 AM CST, Monday through Friday, are paid the same day. Loads submitted after 11 AM are paid the next business day.
Start here
Focus on driving. We will do the rest.
The application takes a few minutes and is usually approved within 24 to 48 hours, and you are never locked into anything.
Sales and support: 800-838-2907