Analyze Your Agreement
Upload your factoring company agreement and our AI will extract every fee, red flag, and gotcha. See what you're really paying and whether switching makes sense.
How many trucks do you run?
Fleet size matters -- a solo operator and a 50-truck fleet get very different rates from the same company. This helps us compare apples to apples.
Drop your factoring agreement here
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Your document is analyzed privately. We never store your PDF.
What we look for
Hidden per-invoice fees
Processing fees, submission fees, and batch charges that add up fast when you factor 20+ loads a month.
Funding & transfer fees
ACH fees, wire fees, same-day surcharges. Some companies charge $3-15 every time you get paid.
Monthly minimums
Minimum volume requirements that hit you during slow months. Some are $150+/month just to keep your account.
Rate escalation clauses
Fine print that lets them raise your rate after 3-6 months based on 'market conditions.'
Termination traps
Early termination fees, auto-renewal clauses, and complex formulas designed to keep you locked in.
Reserve hold games
High reserve percentages (5-8%) with slow release timelines mean your money is tied up for months.