Fund outstanding trucker invoices on our crowd factoring marketplace — managed by our autonomous Invoice Factoring Agent. Short-term, asset-backed targeted returns — not guaranteed; principal at risk. This is a peer marketplace: factor partners are individual people and small LLCs — not banks or institutional investors. $0 platform fees on your returns.
Every load delivered generates an invoice. Shippers often pay in 15–30 days. Truckers need cash now. Our Invoice Factoring Agent bridges the gap — and you earn for it.
BOL-Backed
Every invoice you fund is backed by a delivered load with Bill of Lading, rate confirmation, and verified delivery proof. Real freight, real money.
15–30 Days
Typical factoring cycles are 15–30 days. Your capital isn't locked up for years — it's working and returning faster than any traditional investment.
~12–22% APY
Fund at 1–1.5% discount. Get paid in full when the shipper pays. Annualized, that's 12–22% APY depending on the cycle.
Traditional factoring companies charge 3–5% fees. We charge $0 on your investment returns. The platform earns from AgaaS subscriptions — not from skimming your profit. You fund. The agent collects. You keep 100% of the yield. Factoring here is strictly peer-to-peer — open to individuals and small LLCs, never institutional or corporate investors. Owner-operators trust their peers, not Wall Street.
Fund an invoice at 1-1.5% discount. Get paid in 15-30 days when the shipper pays. Short cycle, high frequency returns. Targeted, not guaranteed.
Every invoice is backed by a delivered load with BOL, rate confirmation, and verified delivery. Tangible, traceable freight receivables.
We don't take a cut from YOUR returns. $0zero fees on factoring. The platform earns from subscriptions, not your investment returns.
See the invoice, the shipper, the lane, the delivery proof. You know exactly what you're funding and when you'll be paid back.
Create a factor partner account. Deposit funds into your partnership wallet. No minimum — start with any amount.
Review available invoices. See the shipper, lane, delivery proof, driver trust score, and discount rate. Pick the ones you want to fund.
When the shipper pays (15–30 days), you receive the full invoice amount. Your profit is the discount. Rinse and repeat.
Factoring fraud — fake invoices, double-factored loads, phantom carriers — is a multi-billion dollar problem. Our platform eliminates it at the foundation.
Every invoice tied to a real, live load
Invoices are generated only after ELD-confirmed delivery. Our AI cross-references load data, GPS drop-off coordinates, and shipper confirmation before an invoice is eligible for factoring — eliminating phantom invoice fraud at the source.
CDL + FMCSA + insurance confirmed
Every carrier you fund is identity-verified against AAMVA CDL databases, FMCSA authority records, and current insurance certificates. No anonymous carriers, no straw-man companies — only real, licensed operators with documented compliance history.
Each invoice factored once, period
Our platform's single-ledger invoice tracking ensures each freight bill can only be factored once. Cryptographic invoice IDs tied to ELD delivery records make double-factoring technically impossible — your capital is never at risk from duplicate schemes.
Every invoice funded earns you returns. Asset-backed, short-term, and transparent. Start building your factoring portfolio today.
⚠ Investment Risk Disclosure
Participation in the Owner Operator AI crowd factoring marketplace involves financial risk. Returns of ~12% APY are illustrative estimates based on historical invoice discount rates and cycle times; actual returns will vary and are not guaranteed. Invoice funding is not a deposit, is not FDIC-insured, and is not insured by any government agency. Nothing on this page is an offer to sell, or a solicitation of an offer to buy, securities; the offering structure remains subject to ongoing regulatory and compliance review. Past performance does not guarantee future results. Factoring involves the risk of non-payment by the underlying debtor, including shippers. Owner Operator AI does not provide investment advice. Marketplace launch remains subject to legal review and production payment configuration. Consult a licensed financial advisor before participating. By funding an invoice you acknowledge you have read and accepted the Terms of Service and understand all risks involved.