Toronto
The 401 corridor, cross-border runs to Michigan and New York, and GTA distribution freight.
Toronto freight factoring Canada · freight factoring
Freight factoring in Canada, city by city
You delivered the load; the broker pays in 45 days; fuel and payroll are due now. Freight factoring turns a delivered load into cash the next business day, so Canadian carriers and owner-operators stop financing their brokers.
- No credit pull to start
- Underwrites the broker, not your years
- Real person review
How it works
From delivered load to cash, in four steps.
- Step 01
Deliver the load
Fuel, permits, and the driver are already paid before any receivable exists. The work is done; the money is not.
- Step 02
Submit rate con + POD
The rate confirmation, proof of delivery, and invoice become the file a factor reviews — usually the same day.
- Step 03
Get advanced
The factor advances most of the freight bill, often up to 90%, so the money from today's load fuels tomorrow's.
- Step 04
Broker pays the factor
When the broker or shipper pays on their terms, the reserve is released to you, minus the factoring fee.
By cityOntario Alberta Alberta Manitoba Quebec British Columbia
Freight factoring where you run.
Every trucking market has its own lanes, ports, and cross-border crossings — and its own version of the payment gap. Pick your city for the local picture, or start the fit check now.
Calgary
Oilfield and flatbed hauls, the QEII to Edmonton, and cross-border runs through Coutts.
Calgary freight factoringEdmonton
Highway 63 to the oil sands, Nisku's industrial freight, and the long runs north.
Edmonton freight factoringWinnipeg
Transcontinental east-west runs, the Emerson gateway to the US, and CentrePort freight.
Winnipeg freight factoringMontreal
Port of Montreal drayage, cross-border reefer runs, and the Lacolle gateway south.
Montreal freight factoringVancouver
Port of Vancouver container drayage, the Coquihalla to the interior, and the Washington lanes.
Vancouver freight factoring Go deeper
Not sure factoring is the right route?
The trucking page compares factoring, working capital, and a line of credit for carriers, and the guide walks through fees, recourse, and fuel-card perks in plain language.
Common questions
Freight factoring, answered.
What is freight factoring?
Freight factoring is how a carrier gets paid faster: instead of waiting 30–90 days for a broker or shipper to pay, the carrier sells the freight invoice to a factor and receives most of the value — often up to 90% — within a day, then the factor collects from the customer.
How is it different from a business loan?
Factoring is not debt. You are selling a receivable you already earned, so it scales with your loads and does not add a loan to your balance sheet. A working-capital loan or line of credit covers costs that do not have a delivered freight invoice behind them.
Can a new carrier or owner-operator use it?
Usually, yes — it is especially common for new authorities and owner-operators, because the factor underwrites the broker's or shipper's credit rather than your time in business.
Start with the load
Turn a delivered load into cash for the next mile.
Tell us about your lanes, brokers, invoices, and timing gap. No credit pull to start — a real person reviews the file.
Crewline is a referral and matching service, not a lender. We do not make credit decisions or guarantee approval. Financing is provided by third-party lenders subject to their own terms and criteria.