Home / Rates and cost
Freight factoring rates and fees
12 of 29 factors print a rate on their own pages. 5 print a tier, flat rate or maximum that prices a month of invoices, and 2 more print a best-case starting rate. The other 17 quote after you apply.
Monthly cost at the published rate
| Factor | Which number | $10K a month | $25K a month | $50K a month | What it includes |
|---|---|---|---|---|---|
| BasicBlock | Published maximum | $250 2.5% | $625 2.5% | $1,250 2.5% | The flat 2.5% "or less" ceiling; no transaction fees stated. Source. |
| Bobtail | Published maximum | $324 3.24% | $810 3.24% | $1,620 3.24% | The 3.24% maximum on the home page. The FAQ says rates can run to 3.5%. Source. |
| DAT Outgo | Published tier | $300 3% | $625 2.5% | $1,250 2.5% | ACH transfers, which are free. Wires add $20 each. Above $80K a month the rate is custom. Source. |
| HaulPay | Published maximum | $300 3% | $750 3% | $1,500 3% | The published 3% maximum for a single truck, free ACH. Fleets get lower rates that are not published. Source. |
| MJN Services | Published flat rate | $300 3% | $750 3% | $1,500 3% | The 3% flat rate, with the $200 monthly minimum that applies after 90 days. The 1.5% variable rate depends on how fast each shipper pays. Source. |
| Summar Financial | Published starting rate (best case) | $200 2% | $500 2% | $1,000 2% | The "as low as 2%" floor, the best case. Source. |
| Transport Clearings East (TCE) | Published starting rate (best case) | $220 2.2% | $550 2.2% | $1,100 2.2% | The "under 2.20%" starting rate, the best case. Rates for small carriers are not published. Source. |
Fixed example volumes; we never ask for your numbers. Per-invoice fees counted at an average invoice of $2,500. A starting rate is the best case, not what a small carrier should expect. Rows are alphabetical, not ranked.
Every published rate, as written
| Factor | What the page says |
|---|---|
| altLINE | 0.90% to 3.50% of invoice value |
| BasicBlock | Flat 2.5% or less per invoice |
| Bobtail | Home page: negotiable rates, max 3.24%. FAQ: usually 1.5% to 3.5% |
| CFX Factor | 2% to 3% of the invoice, flat |
| DAT Outgo | 3% under $18K of monthly invoicing, 2.5% from $18K to $80K, custom above $80K |
| HaulPay | Max 3% for a single truck operator, lower with volume |
| MJN Services | 1.5% variable or 3% flat; $200 monthly minimum after 90 days |
| Orange Commercial Credit (OCC) | Factoring discount fee 1.25% to 5% |
| Porter Freight Funding | 1.5% for the first 60 days for new customers; after that "adjusts based on your volume and account history" |
| Saint John Capital | "As little as 1%" (2021 article, updated 2025) |
| Summar Financial | Factoring fee as low as 2% |
| Transport Clearings East (TCE) | Rates starting under 2.20% |
Read twice: factors whose own pages disagree
- Bobtail: Rate: home page says max 3.24%; FAQ says usually 1.5% to 3.5%. Contract: home page says no long-term commitment for the first 90 days; FAQ says you move into a long-term contract after the 90-day trial.
- Porter Freight Funding: Fees: the rates page marks Porter "no hidden fees" against per-transaction fees; the intro-rate post adds a $2 transaction fee. Advance: the rates page says up to 100%; the intro-rate post says 95%.
What to get in writing
- The rate for your monthly volume, and whether it is flat or moves with how fast the broker pays.
- Every transfer fee: ACH, wire, same-day and instant.
- Any monthly minimum, and when it starts.
- Contract length, how it renews and the notice needed to leave.
- Recourse: what happens when a broker does not pay, and whether disputes are covered.
- Penalty fees, for example a broker paying you instead of the factor.
Questions
How much does freight factoring cost on $10,000 a month?
Among factors that publish a tier, flat rate or maximum, from $250 (BasicBlock) to $324 (Bobtail) a month, read November 9, 2026. 17 of the 29 factors we read do not publish a rate at all.
How many freight factoring companies publish their rates?
12 of the 29 we read print a rate of some kind on their own pages. 5 publish a tier, a flat rate or a maximum that prices a month of invoices; 2 more publish only a starting rate, the best case.