Reliable Cash Flow Solutions for Trucking Businesses

Get paid fast, cancel anytime, and keep every dollar - no hidden fees.

About Us

Reliable. Flexible.

Transparent.

Supportive.

Managing a Fleet Requires Stability and Foresight.

Fuel prices don't wait. Drivers expect payroll. Repairs can't be delayed.

Why should your money sit in someone else's pocket?

Start with Confidence

Your entire first month is free!

Factor invoices, get paid within 48 hours, and see the difference - no risk, no commitment!

We Know the Struggle,

Because We've Lived It

FlowFactor isn’t just another finance company.

Our founder also owns a freight business!

Maintenance and repair costs are company killers.

We FULLY understand the cash flow pressure that comes with fuel costs, payroll, and waiting 30–60 days to get paid.

Choose Us Because:

We're Family-owned and operated.
We're Built by freight professionals, for freight professionals.
We have real-world experience with the same pain points that you face daily.
We designed FlowFactor to solve the problems we couldn't find answers to anywhere else.

10+

Years of Experience

500K

Satisfied Clients

150+

Industries Served

499K

Transactions Processed

The FlowFactor Difference

Next-day Pay - Keep your wheels turning.
Cancel Anytime - Easy to cancel terms.
No Minimums - Factor any amount.
No Hidden Fees - Every dollar goes to you.
Dedicated Account Manager - Talk to a person, not a machine.

Optimize Your Cash Flow

Just send your Account Manager your signed POD. We handle the rest!

Focus on Growth

Reliable, fast cash keeps your trucks on the road and earning.

With Flowfactor covering fuel, payroll, and repairs, you can stop worrying about payments and start building your business.

Simple, Fast, and Transparent.

Built for Owner-Operators and Small Fleets

Get started in three easy steps. No Contracts, no delays, just cash flow you control.

Step 1

Request a Quick Quote

Fill out our short form in minutes. No obligations - just a clear look at your options.

Step 2

Get Qualified with Support

We work with you directly to get approved fast. No red tape, no coporate runaround.

Step 3

Upload & Get Paid

Send your Rate Confirmation and POD and get paid next day. Track everything in your dashboard.

Get A Quick Quote

Our streamlined quote process helps us assess how we can best serve your business.

Please fill out the form below to begin. (estimated 2 minutes)

Our Testimonial

What Our Clients Are Saying

“As an owner-operator, cash flow is everything. Fuel, maintenance, and insurance never wait. Since partnering with FlowFactor Capital, running my business has been smoother and a lot less stressful. They fund fast, communicate clearly, and treat me like a person — not just another MC number.

What really sets FlowFactor Capital apart is trust. There are no games, no hidden fees, and no runaround. When I submit an invoice, I know exactly when I’m getting paid. That kind of reliability allows me to focus on driving, booking better loads, and growing my operation instead of worrying about cash flow.

If you’re an owner-operator or small fleet looking for a factoring company that truly has your back, I highly recommend FlowFactor Capital. They’re professional, dependable, and built specifically for carriers.”

— Jose D.

Owner-Operator, Bluespear Corp.

Built Around Your Business

Every feature we offer is designed to keep your trucks moving and your cash flowing.

We really are the FlowFactor.

Risk-Free Start

Your first month is free. Test drive factoring with us, without risk or commitment. Factor as many invoices as you'd like for 30 days with zero factoring fees.