Finance · Provider review

Compare the work.
Then compare the company.

Choose your first Finance service—or check whether the one you already pay for still fits your truck, lanes and daily operation.

Core rule
A smaller bill only helps when the right work still gets done.

Define the job, read the written terms, and put charges on the same basis. Keep a working arrangement when the evidence supports it.

Start with your situation

What do you need the service to do?

Provider names are reference points. Your review uses the requirements and terms you enter; the directory never fills in a price, approval or contract result for you.

Choose your path
Choose a name for the record. Listing does not establish fit or eligibility.
Optional. Do not enter account numbers or sensitive identifiers.
Optional. Fleet eligibility needs direct confirmation.
Example: one financed sleeper and leased reefer trailer.
Example: regional reefer, broker ACH receipts, fuel and lumper payments.
A software feature and a professional doing the work are different scopes.
Choose a category to see the terms that can change the decision.
Use the date of the evidence you reviewed.
Example: current engagement letter + September invoices. Optional.
Include notice, termination charges, data access, balance/lien releases and any guarantee that applies.
For a new offer, confirm deliverables and timing in writing. For an existing service, check actual delivery.
A bundled feature with no separate price is not automatically a saving.

Optional: put recurring service charges on one basis

Subscriptions and recurring service fees only.

Use this for bookkeeping, monitoring or fixed payment-service charges. This does not calculate loan payments, interest, factoring fees, transaction-volume pricing, tax liability or the value of your own work.

Weekly means 52 charges per year; monthly means 12. Use the actual schedule if it differs.
Leave blank when unknown.
Enter 0 only when the written schedule confirms none. Do not mix monthly and annual amounts.
Part of the entered total, not an added charge. Leave blank when no separate price exists.

Boundary: annualization assumes the entered rate continues for a full year. It is not a forecast, APR, all-in operating cost, or proof that a service is overpriced.

You can browse every provider without completing this review.

Neutral provider directory

Find the type of help you need.

Listings are alphabetical, with no ranking. These are educational starting points, not approvals, quotations, endorsements or evidence that you need to buy a service.

Filtering searches the public listing text; it does not score operating fit.

21 provider records · alphabetical order

Know who does the work: an equipment finance company may place a loan with another creditor; credit monitoring is not lending; bookkeeping software is not a tax professional; a road-expense network is not the same service as receiving customer card payments.

Apex Capital

Factoring · Freight factoring company

Factoring, invoice workflow and broker-credit tools.

Company / brand context
Apex Capital Corp.
Publicly described audience
Owner-operators and trucking fleets.
Verify for your operation
Which recourse plan, invoice scope, fee schedule, notice and release terms apply?
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://www.apexcapitalcorp.com/factoring/freight-and-trucking/
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Visit Apex Capital

ATBS

Bookkeeping & tax · Bookkeeping and tax service

Bookkeeping, tax and business services in defined packages.

Company / brand context
American Truck Business Services.
Publicly described audience
Owner-operators; package and business-entity scope differ.
Verify for your operation
Who reconciles accounts, which returns are included, and what costs extra?
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://www.atbs.com/pricing
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Visit ATBS

BasicBlock

Factoring · Freight factoring company

Factoring and payment workflow for trucking invoices.

Company / brand context
No additional parent-brand identity asserted in this listing. Confirm the legal contracting entity.
Publicly described audience
Owner-operators.
Verify for your operation
Which brokers qualify, what nonpayment events are covered, and what fees and exit terms apply?
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://basicblock.io/owner-operators/
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Visit BasicBlock

CAG Truck Capital

Equipment financing · Direct equipment lender

Commercial truck and engine-overhaul financing.

Company / brand context
CAG Truck Capital, LLC.
Publicly described audience
Owner-operators and truck dealers; approval is individual.
Verify for your operation
Does an overhaul extend the debt term, and what are total payments, collateral and prepayment terms?
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://cagtruckcapital.com/
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Visit CAG Truck Capital

Commercial Fleet Financing

Equipment financing · Equipment finance company

Truck and trailer financing with loan and lease paths.

Company / brand context
No additional parent-brand identity asserted in this listing. Confirm the legal contracting entity.
Publicly described audience
Commercial trucking fleets, including small fleets; single-truck and startup eligibility need confirmation.
Verify for your operation
Who is the creditor, and do your truck, business age and fleet size qualify? Compare fees, ownership endpoint and balloon.
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://commercialfleetfinancing.com/commercial-truck-fleet-financing/semi-truck-financing/
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Dun & Bradstreet

Business credit · Business identifier and credit-information provider

D-U-N-S registration and business-credit information.

Company / brand context
No additional parent-brand identity asserted in this listing. Confirm the legal contracting entity.
Publicly described audience
US businesses; product scope varies.
Verify for your operation
Standard D-U-N-S registration is free. Which paid product, reporting result or expedited service do you actually need?
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://www.dnb.com/en-us/smb/duns/get-a-duns.html
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Visit Dun & Bradstreet

eCapital

Factoring · Freight factoring company

Transportation factoring and back-office payment support.

Company / brand context
The TAFS website currently redirects to eCapital. A legacy TAFS agreement still needs its own review.
Publicly described audience
Owner-operators.
Verify for your operation
Which legal entity signs, what recourse exclusions apply, and which legacy account and exit terms remain?
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://ecapital.com/transportation/owner-operators/
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Visit eCapital

LoadPay

Payment services · Trucking banking and payment platform

Carrier-payment access, business banking and debit-account workflow.

Company / brand context
Bank account offered by TBK Bank, SSB, d/b/a Triumph Bank. Triumph factoring is in the same bank family.
Publicly described audience
Owner-operators and growing fleets; invoice/network eligibility matters.
Verify for your operation
Are your brokers connected, when is an invoice approved, and what fees, holds and usable-funds terms apply?
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://loadpay.com/
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Visit LoadPay

Nav

Business credit · Credit-monitoring membership and funding marketplace

Business-credit monitoring and membership reporting, with partner funding access.

Company / brand context
Nav Technologies, Inc.; financial technology company, not a bank or direct lender.
Publicly described audience
Small businesses; membership is separate from partner underwriting.
Verify for your operation
Which bureau and account are reported, what does the subscription include, and who actually provides any financing?
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://www.nav.com/nav-prime/
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Visit Nav

OTR Solutions

Factoring · Freight factoring company

Freight factoring, invoice tools and optional connected services.

Company / brand context
No additional parent-brand identity asserted in this listing. Confirm the legal contracting entity.
Publicly described audience
Owner-operators and trucking fleets.
Verify for your operation
Read the non-recourse definition, broker limits, bundle conditions, invoice choice and termination terms.
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://otrsolutions.com/factoring-for-owner-operators
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Visit OTR Solutions

Outgo

Factoring · Freight factoring platform

On-demand factoring with payment and card options.

Company / brand context
A DAT Freight & Analytics product.
Publicly described audience
Owner-operators and fleets; public tiers and methods differ.
Verify for your operation
Separate standard factoring cost from conditional card/wait pricing; verify transfer fees and actual cancellation terms.
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://outgo.dat.com/rates
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Visit Outgo

Porter Freight Funding

Factoring · Freight factoring company

Freight factoring, invoice and broker-credit support.

Company / brand context
No additional parent-brand identity asserted in this listing. Confirm the legal contracting entity.
Publicly described audience
Owner-operators and trucking fleets.
Verify for your operation
Which recourse contract, advance, post-promotion price, minimum and exit terms apply?
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://porterfreightfunding.com/freight-factoring/owner-operators/
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Visit Porter Freight Funding

Relay Payments

Payment services · Road-expense payment network

Digital fuel, lumper and other road-expense payments.

Company / brand context
No additional parent-brand identity asserted in this listing. Confirm the legal contracting entity.
Publicly described audience
Carriers and drivers; acceptance depends on location and transaction.
Verify for your operation
Which locations accept it, how is the account funded, what fees apply, and who keeps reimbursement receipts?
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://www.relaypayments.com/carriers
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Visit Relay Payments

Rigbooks

Bookkeeping & tax · Do-it-yourself trucking bookkeeping software

Trucking expense, trip, invoicing and bookkeeping tools.

Company / brand context
Rigbooks, LLC.
Publicly described audience
Owner-operators and small fleets.
Verify for your operation
Who enters and reconciles records, exports the books and prepares returns? Software features are not an outsourced tax engagement.
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://www.rigbooks.com/
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Visit Rigbooks

RTS Financial

Factoring · Freight factoring company

Freight factoring and connected trucking-service options.

Company / brand context
No additional parent-brand identity asserted in this listing. Confirm the legal contracting entity.
Publicly described audience
Trucking companies of different sizes.
Verify for your operation
Verify the written fee, advance, recourse allocation, minimum volume, bundle requirements and termination terms.
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://rtsinc.com/trucking-services/freight-factoring
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Visit RTS Financial

Taycor Financial

Equipment financing · Equipment finance company

Equipment leasing and financing; other credit products are separate.

Company / brand context
TF Group, Inc., d/b/a Taycor Financial.
Publicly described audience
Commercial businesses across industries; truck and startup eligibility require confirmation.
Verify for your operation
Identify the actual lender, loan versus lease, upfront fees, guarantee, collateral and ownership endpoint.
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://taycor.com/
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Visit Taycor Financial

Triumph

Factoring · Freight factoring provider

Freight factoring with payment and invoice tools.

Company / brand context
Factoring offered by TBK Bank, SSB, d/b/a Triumph. LoadPay is in the same bank family.
Publicly described audience
Owner-operators and trucking fleets; approved-invoice conditions apply.
Verify for your operation
Confirm approved brokers, recourse scope, payment destination, fees, account conditions and contract exit.
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://triumph.io/carrier/factoring/
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Visit Triumph

TruckLenders USA

Equipment financing · Equipment financier with direct and partner-placement programs

Semi-truck and trailer financing.

Company / brand context
No additional parent-brand identity asserted in this listing. Confirm the legal contracting entity.
Publicly described audience
Owner-operators, startups and fleets; qualification is program-specific.
Verify for your operation
Is this an in-house loan or a lending-partner placement? Compare the signed creditor, down payment, total paid, balloon and prepayment.
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://www.trucklendersusa.com/semi-truck-financing
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Visit TruckLenders USA

TruckLogics

Bookkeeping & tax · Trucking-management and bookkeeping software

Dispatch, invoicing, expense and reporting tools.

Company / brand context
SPAN Enterprises, LLC.
Publicly described audience
Owner-operators, leased operators and fleets; plan scope differs.
Verify for your operation
Which plan supports your truck count, which reports cost extra, and who reconciles, files and owns the exported records?
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://www.trucklogics.com/tms-pricing
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Visit TruckLogics

TruckingOffice

Bookkeeping & tax · Trucking-management and bookkeeping software

Dispatch, invoicing, expense and IFTA-related software.

Company / brand context
No additional parent-brand identity asserted in this listing. Confirm the legal contracting entity.
Publicly described audience
Owner-operators and small fleets.
Verify for your operation
Who performs the bookkeeping and filing, which truck-count plan applies, and what can be exported at exit?
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://www.truckingoffice.com/
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Visit TruckingOffice

Truckstop Factoring

Factoring · Freight factoring provider

Transportation factoring and invoice/payment tools.

Company / brand context
A Truckstop service.
Publicly described audience
Owner-operators and trucking companies.
Verify for your operation
Confirm your actual term, selective-invoice rules, reserve, fees, non-recourse exclusions and release process.
Access
Contact or apply through the official provider site. This page does not submit an application.

Official public source
https://truckstop.com/carriers/transportation-factoring/
Source checked October 5, 2026. Customer-specific scope, price and eligibility require current written confirmation.

Educational listing — no compensation or commercial relationship recorded in the HSHQ source registry.

Visit Truckstop Factoring

General lenders · admission boundary

No general lender is admitted in this directory. Equipment finance and factoring solve different jobs. Do not treat a title-secured loan, merchant cash advance or frequent debit schedule as a substitute for checking operating economics and cash timing. Identify the actual creditor, repayment schedule, guarantees and pledged assets before proceeding.

Your operating record

A review you can take back to the provider.

Build a review to separate confirmed work, documented gaps and questions that still need a written answer.

Your inputs stay in this page session until you copy, download or print them. This page does not save an upstream Finance record, send a report to a provider, or create a lead. Reloading clears the inputs.

Teach before choosing

Open the term that needs a better answer.

Use the matching Guide before turning a public description into a purchase decision.

Equipment Financing: Compare the Written Financing Terms

Compare scheduled outflows, ownership endpoint, balloon, prepayment, collateral and personal guarantee.

Bookkeeping & Tax Services: What Should the Provider Actually Handle?

Define record entry, reconciliation, close, tax boundaries and responsibility for the finished work.

Business Credit & Payment Services: Fees, Guarantees, Holds, and Settlement Terms

Separate subscriptions, borrowing terms and payment access; check what cash is usable and when.

Factoring Cost: The Percentage Is Not the Whole Price

Review fees, advance, reserves, recourse and exit before comparing the rate line.

Leaving a Factor: The Contract Exit Is Not Over Until the Release Is Clean

Resolve balances, notices and releases before moving invoices.

Worked example · illustration

A service at $35 a week costs $35 × 52 = $1,820 a year. A $125 monthly plan plus a $600 annual tax-return charge costs $125 × 12 + $600 = $2,100 a year. The difference is $280, but the comparison still needs the same work. Four weeks per month quietly erases four weekly bills. The calendar will send them anyway.

A separately priced $20 monthly add-on is $240 a year. That becomes a possible reduction only when the written terms allow removal without losing required work or adding another cost. An unused feature buried in a bundle does not come with an automatic refund.

Verified next steps
Compare written factoring offers

Use the dedicated tool for current-factor review or a same-invoice comparison.

Check cash timing

Confirm whether faster payment solves a real timing need.

Check CPM & Load Floor

Check operating economics before using financing to cover a recurring shortfall.

Return to Finance Desk

Use the Desk to identify the money question that needs attention.

Educational decision support. The current written agreement, fee schedule, applicable professional advice and actual records control. No listing guarantees approval, service performance, credit improvement, tax results or savings. Public-source inspection is not a review of your contract.