Brokers often pay on terms, not on delivery. Enter your own numbers to see how much cash is stuck in unpaid invoices while you still pay for fuel, insurance, and the truck. No signup required.
Math only: weekly gross × days to pay ÷ 7. Fee = your quoted % × about 4.33 weeks of gross. Your real terms and fees come from your broker and factor, not this page.
When we ran our dispatch desk, waiting on broker pay was one of the main reasons new carriers ran short on cash. Factoring pays you on the invoice instead of on the broker's terms. The factor we point carriers to is Triumph. Triumph lists same-day funding, free broker credit checks, fuel advances up to 50%, and no minimums or reserves (from Triumph’s own page). If this calculator shows a gap before your first load pays, that’s the moment to set it up.
Check Triumph factoringDisclosure: we may earn a commission if you sign up through our Triumph link, at no extra cost to you.
Want the full cash plan for year one? See the First Year Survival System. Checking one load? Use the CPM calculator. Looking for loads? We use TruckstopWhich board fits: own MC hauling flatbed or hot shot? The Truckstop 20% offer fits. No MC yet? Start with 123Loadboard (code 82330). Not sure which one? See which load board fits you →Affiliate link: we earn a commission if you sign up, at no extra cost to you. first (affiliate link).
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