The trucking industry's most transparent factoring comparison — built on real contracts, not marketing language.
Factoring can be a great tool for managing cash flow — but not every contract is the same, and most carriers don't have time to read 20 pages of legal language before they need to get back on the road.
We've read dozens of real factoring contracts so you don't have to. Some things we found are standard across the industry. Others vary significantly — like whether your UCC lien covers just your receivables or all your assets, how misdirected payment penalties work, whether your contract auto-renews, and what it actually costs to leave. These details matter, and understanding them puts you in a stronger position whether you're signing your first factoring agreement or switching to a new company.
This resource exists to help carriers make informed decisions. Every company has strengths and trade-offs — we lay them out so you can choose what's right for your operation.
We break down the actual terms from real factoring agreements — rates, fees, UCC scope, termination clauses, and more — so you can compare what's standard vs. what's unusual.
Every factoring company has strengths and trade-offs. We highlight both so you can find the right fit for your operation, fleet size, and cash flow needs.
Thinking about switching factors? We cover termination notice periods, buyout processes, and what to expect — so you can plan ahead and avoid surprises.
Pros, cons, and contract details based on real agreements.
Upload your contract anonymously. Every agreement we analyze makes this resource more accurate for every carrier in the industry. We remove all identifying information and focus only on terms.
Upload Your ContractOur Contract Escape service helps carriers navigate termination clauses, buyout processes, and UCC releases. One-on-one guidance from someone who's read more factoring contracts than your factor's own sales team.
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