Factoring that puts you in control
Running a trucking company isn’t just about moving loads. It’s also about managing cash flow, staying competitive, and having the freedom to run things your way. Denim’s Factoring gives you that flexibility, providing access to working capital on your terms and at costs you control.
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Get the capital you need, exactly when you need it
Maintain full control over your finances
- No hidden fees, just straightforward costs for the capital you’re using at any given time.
- Enjoy the flexibility of a credit line, without having to deal with the bank.
- Choose factoring rates that work best for you, with no added surprises along the way.
Get paid fast, anytime you need it
- Get paid within minutes of invoice approval with Express Factoring.
- Say goodbye to cut off times and ACH delays — funds are available when you need them.
- Improve contractor happiness by paying them faster than before.
Balance growth with credit management
- Work with a broader range of clients while managing risk at a level that’s right for you.
- Denim’s recourse factoring provides unmatched flexibility, unlike the strict limitations of non-recourse factors.
- Take on new clients with confidence.
See how much you can save in real-time with our interactive Flexible Factoring calculator
Use the calculator below to pick the payments you want to factor. You can also choose a later payment date and see how much that lowers your factoring rate.
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Your Blended Factoring Rate
Your Flex Factoring Rate
Carrier Flex Factoring Rate
Full Price Fee (at Base Rates)
Your Fee after Delay Discounts
Carrier Fee after Delay Discounts
How Denim’s freight factoring works for you
Selective Factoring
Factor only the loads you want to keep things flexible and tailored to your business needs.
Flexible Factoring
Save more money with flexible rates that fit your schedule. Delay payment dates for yourself and your contractors to lower fees. The sooner your shipper pays, the more you save. Flexible factoring helps make every dollar go further.
Express Factoring
Get paid immediately, without waiting for cutoff times. With Express Factoring, funds are transferred within minutes of invoice approval, giving you access to cash fast anytime you need it
Selective Factoring
Flexible Factoring
Express Factoring
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Denim is more than just factoring
Want to go further than factoring? Check out our other products, Payments and Collections and Back-Office Operations.
Denim simplifies payments and collections with automation, real-time visibility, and faster access to capital.
Streamline back-office tasks with Denim’s automation and insights, freeing up time to focus on growth.
Integrations to build your perfect freight tech stack
Denim integrates with your freight tech stack so you can reduce manual errors while increasing payment, collection, and communication speed.
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35% Volume Increase
"We have reduced staffing on the AP side and transitioned it into the dispatch side. This has helped fuel our 35% monthly volume growth."
Avoided hiring 2 full-time employees
"With Denim's technology and their proactive management of manual processes, we've saved on hiring 1-2 full-time employees—a number that will only increase as we grow. The factoring fees go further than just a 'funding expense.' They're an investment covering auditing our paperwork from the start, handling customer collections, and managing payment processes."
Reduced invoice time by 91% without adding staff
“We still have the same number of staff, but now we have time to talk to our carriers and build better relationships. Before, we spent so much time on tasks that kept us running but didn’t help us grow.”
18% reduction in costs
“Based on our factoring expenses from last year, using Denim will lead to an 18% reduction in costs."
Cut down accounting activities by 50%
“If I was working with another company, I’d probably be on the phone for 10 or 15 minutes waiting on hold. With Denim, I can email my account manager or jump on the website and do a quick instant message chat."
Invoice in 12 minutes, not 2+ hours
“An invoicing process that took 2.5 hours now only takes 12 minutes with Denim.”
Significant reduction in administrative overhead
"We've experienced a significant reduction in administrative overhead, and our team can now focus on what truly matters: building and nurturing relationships with customers, carriers, and trade partners and providing exemplary service."
Our customers have left the old way behind—will you?
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