Monumental Capital
Invoice factoring for truckers

Stop waiting on invoices.
Get paid faster.

Waiting 30–60 days on broker and shipper payments? Invoice factoring can turn delivered loads into cash sooner. Tell us about your business and we’ll match you with a factoring company – no obligation.

Tell us about your loads Run the numbers
  • No obligation
  • No fee to ask
  • Referral to third-party companies
Invoice journeyExample · not real data
Example / illustration, not real data. Advances and funding come from independent factoring companies we refer you to.
Cash flow gap calculator

How much cash is stuck waiting?

A quick look at the money sitting in unpaid invoices. Illustrative only. No rates, fees or advance amounts are included.

Cash Flow Gap Calculator

How much of your money is sitting in unpaid invoices, on average?

Use your own numbers. Most carriers know roughly what they invoice and how long brokers take.

Average cash tied up in unpaid invoices$75,000
Invoiced per day (avg.)$1,667
Days waiting45

Illustrative estimate = monthly invoicing × days waiting ÷ 30. It is not an offer or a quote: advance rates and fees are set by independent third-party factoring companies and depend on your loads and brokers. We do not quote them here.

Tell us about your loads

What it is

Cash on delivered loads, without the wait

Invoice factoring means selling your unpaid freight invoices to a factoring company. They advance you part of the invoice up front, and when your broker or shipper pays, you receive the remainder minus the factoring company’s fee.

It’s one way carriers keep cash moving for fuel, insurance, repairs and payroll while customers pay on their own schedule.

Who it fits

  • Owner-operators
  • Small fleets
  • Carriers waiting 30–60 days on broker or shipper payments
  • Anyone who wants steadier cash flow between loads
How it works

Factoring in three steps

  1. Submit an invoice

    You deliver the load and send the invoice to the factoring company.

  2. Get an advance

    The factoring company advances you a portion of the invoice amount.

  3. Get the remainder

    When your customer pays, you receive the rest – minus the factoring company’s fee.

Rates depend on your loads and brokers; we match you with a factoring company – no obligation. Monumental Capital is a referral partner. We introduce carriers to independent third-party factoring companies; we are not a lender, and we do not fund or purchase invoices ourselves.

How we help

One conversation. A better match.

Instead of calling a dozen companies, tell us how you work once. We learn about your loads, brokers and payment timing, then introduce you to a factoring company that fits.

You share the basics

Trucks, how long you wait to get paid, and whether you already factor.

We find a fit

We refer you to a third-party factoring company suited to your situation.

You decide

Review their terms. There’s no obligation to move forward.

Interest form

Tell us how you get paid

Takes about two minutes. We’ll follow up by phone or email to learn more and make an introduction.

  • No obligation
  • No fee to ask
  • Separate from the fuel card – do one or both

Prefer email? Write to Richard@monumentalcapital.co or Peter@monumentalcapital.co.

Please enter your name.
Please enter your company name.
Please enter a phone number we can reach you at.
Please enter a valid email address.
Please choose an option.
Please choose an option.
Do you currently factor?
Please choose yes or no.
Please tick the box so we can contact you.

No obligation. Submitting this form does not commit you to any factoring company.

FAQ

Factoring questions

What is invoice factoring?

Factoring is when a business sells its unpaid invoices to a factoring company in exchange for cash sooner. For a trucker, that means getting money for a delivered load without waiting for the broker or shipper to pay.

Is factoring a loan?

Factoring is generally structured as the sale of an invoice rather than a loan, but the details depend on the agreement you sign with the factoring company. Read it carefully and ask questions before you sign.

How much does it cost?

Rates depend on your loads and brokers, and they are set by the factoring company – not by Monumental Capital. We match you with a factoring company that fits your situation; there is no obligation to accept.

Is Monumental Capital the factoring company?

No. Monumental Capital refers carriers to independent third-party factoring companies. We are a referral partner, not a lender, and your agreement is with the factoring company.

Do I need the fuel card to apply?

No. The fuel card and factoring are separate. You can ask about either or both.

What should I ask a factoring company?
  • What are all the fees, and when are they charged?
  • Is the agreement recourse or non-recourse, and what does that mean for unpaid invoices?
  • Are there contract length, minimums or termination terms?
  • How and when do I receive funds, and are any amounts held in reserve?
I already factor. Can I still ask?

Yes. Tell us who you use today and what you’d like to be different, and we’ll see whether there is a better fit. You are never obligated to switch.

Start with the easy win: a free fuel card.

While you sort out cash flow, cut what you pay at the pump. $0 signup and monthly fee, no credit check.

Get the free fuel card See the fuel card