ENTRY 01 / DISPATCH + FACTORING
Dispatch and factoring services: loads booked, invoices paid fast, fees on one page
Dispatch decides what a load pays. Factoring decides when you get paid for it. Our dispatch and factoring services fit together on one weekly settlement: our desk finds and negotiates loads, and if you choose to factor, our factoring partner or your own factor pays you for them the next day. Factoring is optional, always.
By Daniel. Updated October 2026.
- Factoring optional
- Two separate fees
- You sign every rate con
ENTRY 02 / WHO THE BROKER PAYS
The broker pays your factor, or you. Never the dispatcher.
When you factor, a notice of assignment (NOA) tells each broker to pay your factor instead of you. It goes out once per broker, usually inside your carrier packet. From then on, invoices from your company are paid to the factor, which has already advanced you most of the money.
When you don't factor, the broker pays your company directly. Either way, freight money never passes through us. We bill our fee to you separately, so you can check it against your rate cons line by line. A dispatcher who asks for broker payments to be sent to it is a dispatcher to avoid.
ENTRY 03 / FEE STACK ON A SETTLEMENT
Both fees on one load, and what you keep
Set your authority age, truck count and the load rate. Switch factoring on or off. The statement shows our dispatch fee, the factoring fee if you factor, and what is left before fuel and the truck payment.
| Load gross | $2,800.00 |
|---|---|
| Dispatch fee, 5% | ($140.00) |
| Factoring fee, 3% | ($84.00) |
| YOU KEEP, BEFORE RUNNING COSTS | $2,576.00 |
Standard: 5%. Both fees together: $224, or 8.0% of the load. The dispatch fee is billed by us; the factoring fee is taken by your factor.
Both are percentages of the same gross, so they move together: a better rate on the rate con raises both fees in dollars, and raises what you keep by much more. That is why the rate matters more than either fee, and why our desk spends its time on the rate.
ENTRY 04 / WHAT STAYS YOUR CHOICE
Factoring is optional. So is everything else.
Whether you factor
Dispatch works the same with no factor at all. Our fee and terms don't change.
Which factor
Keep the factor you have, choose another, or ask for a quote from our factoring partner, our referral partner. We may be paid for referrals; it never changes your rate.
Which loads
Every rate con comes to your company. You sign it, or you say no, for any reason.
How long
Dispatch is month to month with 30 days notice. Your factoring contract is between you and your factor, so read its own exit terms.
One more thing stays yours: the relationship with your factor. If a broker short-pays, disputes a load or pays late, your factor will contact you, not us. We help where we can, with the rate con, the emails we exchanged with the broker and our notes on the load, but the factoring account and its decisions belong to you and your factor.
Five mix-ups when you use a dispatcher and a factor
A packet goes out without the NOA
The broker pays you instead of the factor. That money belongs to the factor, so you forward it, and the invoice sits in limbo meanwhile. Every new broker packet should carry the NOA.
Switching factors without telling anyone
Brokers keep paying the old factor until they receive a release and a new NOA. Tell your dispatcher the day you switch, so new packets carry the right one.
Accessorials left off the invoice
Detention or a lumper on the rate con but missing from the invoice is money you never get. Match every invoice to its rate con and receipts.
Booking a broker the factor won't buy
You can still haul it, but you wait for payment yourself. Decide that before you sign, not after delivery.
Sharing logins
No dispatcher needs your factoring, bank or load board password. If one asks, say no.
A month with both, in round numbers
An EXAMPLE one-truck owner with a 2-year MC hauls ten loads in a month at an average of $2,600, or $26,000 gross. Our dispatch fee at 5% is $1,300. A 3% factoring fee on every load is $780. Together that is $2,080, or 8% of gross, and the owner was paid for each load the day after delivery instead of waiting about a month.
Whether that trade is worth it comes down to the rates on those ten rate cons. If better booking adds even 15 cents a mile over 9,000 miles, that is $1,350 more gross in the month, which covers our fee on its own. The factoring fee is a separate question: what is cash a month early worth to your business? If the answer is not much, skip it.
ENTRY 05 / WHAT THE DRIVER STILL DOES
The part only the person at the dock can do
A dispatcher can't sign for a delivery or photograph a POD from an office. Fast factoring depends on paperwork from the truck, so this part stays with you or your driver.
Do it right on the first load and it becomes a two-minute habit. Do it wrong and a clean, well-paid load can sit unfunded for days.
- Read and sign the rate con. Check the rate, stops, appointment times and accessorials before you sign.
- Get the BOL signed at delivery. Receiver signature, printed name, date, and any notes about shortages or damage.
- Photograph it before leaving the dock. Flat, in good light, every page, every edge visible.
- Upload to your factor the same day. With the rate con and any lumper or detention receipts, before the funding cutoff.
- Tell the desk about problems right away. Late appointments, detention, damage. We raise them with the broker while there is still time.
ENTRY 06 / HOW THEY WORK TOGETHER
One load, from our desk to your factor
STEP 1
Setup
Your packet goes to each broker with your MC, insurance, W-9 and, if you factor, your factor's NOA.
STEP 2
Booking
We find a load that fits your floor rate and lanes. If you factor, you check the broker in your factor's app.
STEP 3
Your decision
The broker sends the rate con to your company. You sign it or say no.
STEP 4
Delivery
You deliver, get the BOL signed and upload it to your factor with the rate con.
STEP 5
Payday
Your factor funds you. We bill our fee separately, listed per load.
New to both? Start with how to get started with dispatch, read the basics of freight factoring, and get a factoring quote if you decide you want one. Or simply apply for dispatch and sort out factoring later.
Factoring questions
Q01Can my dispatcher handle factoring paperwork?
Part of it. We add your factor's notice of assignment to every carrier packet, so brokers know who to pay from the first load, and we keep each rate con on file for you. Uploading the invoice and POD to your factor stays with you, in your own account. We never ask for your factoring login.
Q02Do I have to factor to use your dispatch?
No. Factoring is never required. You can use our dispatch with no factor, with the factor you already have, or with our factoring partner if you ask for a quote. Our fee and terms are the same in every case.
Q03How do dispatch and factoring fees work together?
They are separate fees from separate companies. Our dispatch fee is a percentage of the load's gross, 5% for one truck with 6+ months authority, billed by us. The factoring fee is a percentage of the invoice, taken by your factor when it funds you. Both appear as their own lines on your settlement.
Q04Does factoring change how loads are booked?
Only in one way: before you sign a rate con, it is worth checking that your factor will buy that broker's invoices. Otherwise nothing changes. We find and negotiate the load, the broker sends the rate con to your company, and you sign it or turn it down.
We refer carriers to our factoring partner and may be paid for referrals. It never changes your rate. Disclosure.
By Daniel
UPDATED OCTOBER 2026