Most freight factoring contracts contain an automatic renewal clause (typically for 12 months) that automatically locks you into another full year unless you submit a formal, certified written notice of cancellation within a strict 60 to 90-day opt-out window prior to your anniversary date. Missing this deadline by even one single day can lock your receivables or trigger thousands of dollars in early termination penalties. We calculate your exact rollover date for free so you never miss your legal opt-out window.

Yes, absolutely. Our contract audit is 100% complimentary with zero obligation. Our specialists review your agreement’s Termination Section and Schedule of Fees to expose hidden charges, calculate your exact rollover opt-out date, and give you honest options. We never contact your current factoring company, and your documents are kept strictly confidential.

Under a standard recourse factoring contract, if a broker or shipper fails to pay an invoice within 60 to 90 days, the factoring company will charge that entire invoice balance back against your trucking business. True non-recourse factoring protects your carrier if the debtor goes bankrupt or experiences credit insolvency. Many factoring companies advertise ‘non-recourse’ but bury hidden chargeback traps in their fine print. We help you identify genuine credit protection without recourse loopholes.

Fuel is consistently your #1 operational expense. With over 30+ years of industry leadership at Pilot Flying J, Comdata, and WEX (Fleet One / EFS), we connect trucking companies with independent fuel programs that provide deep nationwide discounts (typically 40¢ to 60¢ per gallon at major truck stops) with zero transaction fees and zero setup costs. Enrollment is completely free.

Factoring companies frequently advertise low headline rates (like 1.5% or 2%) but recoup their margins through sneaky ancillary fees: monthly minimum volume penalties, wire transfer fees ($15-$30 per batch), ACH processing charges, credit check fees, invoice upload fees, and UCC-1 lien release fees ($250-$500). Our audit uncovers every line item so you understand your true cost per invoice.