Porter Freight Funding | Factoring and Fuel Cards for Truckers

Freight Factoring for Trucking Companies That Want to Get Paid Faster

Get paid faster with same-day funding, fuel savings, and free credit checks on every broker — so you always know you’ll get paid before you roll.

Built in Alabama. Backing American Truckers

Porter Freight Funding helps trucking companies get paid faster and grow stronger.
Fast funding, transparent terms, and real human support for owner-operators and fleets nationwide.

We answer the phone. We know your name.​

What Is Freight Factoring and How Does It Work?

  1. Move freight, not paperwork.

    Submit your load documents and let us take it from there.

  2. Turn delivered loads into cash quickly.

    Get funded fast instead of waiting 30, 60, or even 90 days.

  3. Eliminate payment headaches.

    We manage broker payments, collections, and credit monitoring on your behalf.

  4. Keep your business moving forward.

    Receive the remaining funds when the broker pays and focus on growth.

Freight factoring is a simple way for trucking companies to get paid quickly instead of waiting weeks for a broker or shipper to settle an invoice. Instead of carrying the cost of fuel, repairs, and payroll while an invoice sits unpaid, you sell that invoice to a factoring company and receive the money up front. From there, Porter Freight Funding handles all of the back-office support, including paperwork, collections and debtor management.

Why It Matters for Your Fleet

For owner-operators and growing fleets, the gap between delivering a load and getting paid is often where a business gets squeezed. Fortunately, freight factoring closes that gap, turning a 30-, 60-, or 90-day wait into same-day funding.

With Porter Freight Funding, the process is straightforward:

Deliver your load. Submit your paperwork. Get funded fast.

After that, Porter handles payment from the broker directly, so there's no long wait, no chasing payments, and no taking on debt.

In other words, you never have to worry about a loan payment, interest rates, or tying up credit lines just to improve your cash flow.

Start With Our Lowest 1.5% Rate.

This Rate Won’t Last Forever.

Applies to the first 60 days. 1-year recourse contract + 95% advance rate. Does not apply to Sprinter Vans or Boxed Trucks.

Everything You Need To Keep Trucks Moving

Fast Funding. Simple Tools. Built for trucking companies, carriers, and growing fleets.

Freight Factoring

Funding Solutions Designed for Growing Fleets

Improve cash flow, operations, and scale your fleet with flexible factoring built for your business.

PorterGO Platform

All-In-One Management Through PorterGO

Manage funding, submit invoices, track payments, monitor loads, and access tools to keep your business moving.

Partner Program

Grow Your Business Through Strategic Partnerships

Unlock new revenue opportunities through partnership designed for long-term mutual growth.

All-In-One Maintenance with PorterGO

New Feature: Instant Credit Check Email Domain Match

PorterGO brings the day-to-day running of your trucking business into one place. From a single app you can run instant credit checks before accepting a load scan and submit documents, track the status of your funding, browse load boards, and find fuel discounts at more than 2,500 locations nationwide.

Free, Unlimited Credit Checks

Get Paid the Moment You Pick Up a Load

Sometimes waiting even one day for funding isn’t an option. Fuel, repairs, and operating expenses need to be covered before the load is delivered. Porter Wallet 24/7 Advances let you draw against a load the moment you pick it up, any day of the week, including nights, weekends, and holidays. Advances are managed entirely through the PorterGO app, so you can access cash whenever you need it without a phone call or a wait.

Fuel Discounts

Save on diesel costs with nationwide fuel discounts and expense management tools. The PorterFuel Card is everywhere with discounts at over 2,500 locations.

Fuel is one of the largest and least predictable costs a trucking company faces. Porter’s fuel card program is built to make that cost easier to manage – giving you access to discounted diesel at locations nationwide, along with simplified expense tracking that makes tax reporting easier.

The Porter Freight Funding Difference

Funding invoices is only part of what we do. Porter also helps protect your business with transparent pricing, dedicated support, and recovery assistance when brokers don’t pay. Here’s what sets Porter apart:

Factoring that Works for You

Protect your profits and keep cash flow moving.

No Quick Chargebacks

We actively recover unpaid invoices - at no cost to you.

Proven Recovery Team

90-day collections before any chargeback.

US-Based Team

Locally owned and operated in Birmingham, Alabama.

Real Human Support

Call and talk to someone who knows your business.

Fast, Flexible Funding

Same-day funding and fuel advances.

Transparent, Honest Rates

Low rates, fast pricing with no surprises.

Free Unlimited Credit Checks

95% Completed in Under 2 Minutes Using PorterGO

What Happens If a Freight Broker Doesn’t Pay?

Most Factoring Companies Charge Back. We Don’t Stop There.

If a broker doesn’t pay, Porter steps in – at no cost to you

We Fund, We Recover

We step in for free. You keep trucking.

Trust Built on Transparency

NICK L.
An easy process*
Caroline was a fantastic person to have by my side during this process. Any question that I had, she was able to answer. She was very thorough with her explanations. 10/10 I will recommend Porter Funding to anyone I know who wants to do this.

DEVYON S. Hands down the best choice*
Hands down the best choice I have made when choosing a factoring company!! I have been in business 10 months now and Caroline and Stephen have made my business run so smooth when coming into finance and all the extra tools…. I can call them any time if I have any issues and they answer with positive and great attitudes quickly to solve the issue… Thank you Porter Freight and thanks to you again for all your amazing 5 Star service!!

For additional inquiries, please refer to the FAQs:

Freight Factoring FAQs