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Saint John Capital factoring: rates, fees and terms
Factoring for small fleets with a full advance and no reserve, plus an online instant quote.
What sets it apart
Advances 100% of the invoice on delivery with no reserve held back, so nothing waits on the broker paying. Its only published rate, "as little as 1%", comes from an article, not a rate page, so treat it as a floor.
Published terms
| Rate | We factor your trucking invoices for as little as 1% (article) |
|---|---|
| Advance | 100% cash advance upon delivery, or 50% fuel advance at pick-up |
| Recourse | Not stated on the pages we read |
| Contract | No contract (article) |
| Monthly minimum | Not stated on the pages we read |
| Transfer fees | Not stated on the pages we read |
| Other fees | No reserves; no hidden fees |
| Funding speed | Same-day payment when the BOL is uploaded by 12:00 EST |
| Fuel | Fuel discounts at over 1,500 truck stops |
Fits
Small fleets that want the whole invoice up front.
Look elsewhere if
You want a rate schedule; the quote comes through a form.
Ask before you sign
- The 1% figure is from a 2021 article (modified 2025), not a rate page.
Pages we read
- https://www.saintjohncapital.com/
- https://www.saintjohncapital.com/best-mobile-technology-for-freight-factoring/
Factors change rates and terms. If this is out of date, tell us.