Auto Freight Factoring

Auto Freight Factoring: invoice factoring for truckers and small fleets

Auto Freight Factoring is a freight factoring company based in Los Angeles, California, that serves owner-operators and fleet managers across the United States. Founded in 2024 by transportation and finance professionals, the company focuses on advancing payment on freight invoices so carriers do not have to wait the typical 30 to 90 days for a broker or shipper to pay. Its stated model combines same-day or next-business-day funding with a single flat rate and no monthly minimums.

The company reports having funded more than 600 loads and describes its client base as new MCs, owner-operators, and small fleets. Approval is based on the creditworthiness of the carrier's customer rather than the carrier's personal credit, which the company presents as a way for newer trucking businesses to access working capital.

How the factoring service works

Carriers submit an invoice and receive a 100% advance on approved invoices, according to the company. Funds can be accessed through instant transfers, and the company says it does not hold back reserves on factored invoices.

The service includes automated invoicing and a streamlined payment process. There are no application, setup, or ACH fees, and no monthly minimums, so a carrier can factor one load or every load. The company also offers a mobile app and portal for submitting rate confirmations and load details.

Flat 3% pricing and fuel advances

Auto Freight Factoring charges a flat 3% rate on approved invoices. The company emphasizes that the rate does not increase after 30, 45, or 60 days, unlike tiered or escalating pricing it attributes to other factors. No hidden fees are listed, and the rate is described as applying to every load without tiers.

Separately, the company offers fuel advances for truckers before delivery. Carriers can receive up to 50% of the load value, with funds sent to a fuel card or bank account. The company states that fuel advances require no credit check and are available, with an average advance of $1,200. Fuel card savings and fuel-advance amounts vary by location and volume, according to the site.

Who the service is designed for

The company targets owner-operators, small fleets, and new MCs. It presents itself as an alternative for carriers who want to avoid reserves, monthly minimums, and long payment cycles. The site notes that approval depends on the customer's creditworthiness, not the carrier's personal credit, and that new authorities are welcome.

Company background and operations

Auto Freight Factoring was founded in 2024 and is headquartered in Los Angeles, California, 91602. The company reports serving trucking companies nationwide and describes its team as having experience in both trucking and freight factoring. Its stated priorities are transparent pricing, fast funding, and support for carriers' cash flow. The site lists a Trustpilot review from Caroline Hearn dated September 4, 2026, describing the company as friendly and easy to work with.