Non-Recourse Factoring
If your broker goes under, that's our loss, not yours. We carry the credit risk on approved invoices so an insolvency never claws money back out of your account.
Already factoring?
Let us beat your rate.
Get your rate
We've got it.
A funding specialist is pulling your authority now and will call you with a rate. Most carriers hear back within the hour during business hours.
Same DayFunding
$0Start-Up Fees
$0Reserves Held
Non‑RecourseCredit Protection
As low as 2%Rates
FuelAdvance
What we offer
Five things, done properly.
We are not a marketplace, a broker, or a lender. We buy your freight invoices at a fixed rate and put the money in your account the same day.
Fuel Advances
Money at pickup, not delivery. Once the load is booked and the rate confirmation is in, we advance against it so you can fuel, scale, and roll without touching your own cash.
Back-Office & Collections
We invoice your brokers, chase the paperwork, and make the collection calls. You stop spending Sunday night on aging reports and start spending it home.
Free Broker Credit Checks
Check a broker before you book, not after they stop answering. Unlimited credit checks on every customer in our book, at no cost, for as long as you're with us.
24/7 Human Support
A named funding specialist with a direct line, and a real person who picks up at any hour. No ticket queue, no chatbot, no waiting for Monday to get an answer about your money.
What carriers say
Rated by the people we fund.
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Capital Hart Factoring has been great to work with. Payments are always timely and their customer service is excellent—responsive, professional, and easy to deal with. Highly recommend them to anyone looking for a reliable factoring company.
Chris Wiggins Google review · 7 months ago -
I recently switched over to Capital Heart, and they’ve been fantastic. They’re incredibly responsive, often replying within hours. And if there’s ever a delay, they always notify me promptly and keep me updated.
Jose Aalvarez Google review · 7 months ago -
We've been working with Capital Hart for a while now, and they've been a great partner for our trucking company. They're quick, reliable, and always available when we need help. Their team is friendly and easy to work with.
Central Trucking Services LLC Google review · a year ago -
Capital Hart Corp is awesome to work with! The team is super friendly, quick to respond, and always makes the process easy. Definitely one of the best factoring companies out there!
Mason Rosenfeld Google review · 10 months ago -
Great team to work with—professional, responsive, and always available when I need them. They work well with dispatch companies like mine, make invoicing for my carriers super simple, and offer fuel advances when needed. Having their support has made a big difference in how smoothly I can run my operations!
Ophelia Padilla Google review · a year ago -
I don't usually leave reviews but good work needs to be acknowledged. Every time I bill my loads with Capital Hart I get paid so fast that I tell myself I need to leave this people a good review for their amazing work. They always making sure their carrier gets paid quick.
A&N Express Trans Inc. Google review · a year ago -
This company has been great for me and my business. They have removed the stress of getting paid on time and make the process of running my business very smooth. Anytime of the day/week they have been quick to help me out and if you are in the transportation business you know how important that is!
MHT Transport Google review · a year ago -
I have been Working with Capital Hart and I can say they are very helpful, Professional, and very helpful when it comes to getting your invoices Factored they are very helpful they fund you on time.
TDA Express Google review · 7 months ago -
We are very delighted to work with Capital Hart Corp. The team is very professional, responsive and always willing to help with any questions or concerns. The factoring process is very quick and seamless allowing me to receive invoices within 24 hours. I would highly recommend their services.
SML Trucking Google review · 2 years ago -
As a Dispatch Company! I would say. Finally, we found a Factoring Company that looks after us and the carriers 24/7. They have competitive rates and are easy to contact if you need help.
Eleven Dispatch Google review · a year ago
How we do business
Our ethics are the product.
Factoring only works if the carrier keeps the upside. Every term below exists because the industry standard version of it takes money out of your pocket for nothing.
Written down here because a promise you can screenshot is worth more than one made on a sales call.
One rate, printed on the agreement
No application, invoice-upload or monthly-minimum fees and no termination penalties tucked into an addendum. The flat ACH or wire fee on each funding is printed on the agreement, not discovered on a settlement.
Nothing held back
Reserve accounts are how factors sit on your money. We hold $0 in reserve. Your advance is your advance.
A one-year agreement you can actually read
One-year term, plain English. The term, the notice window and what ending it early would cost are printed on the first page, not in an addendum, and we walk you through every clause before you sign.
Contracts in plain English
If a clause needs a lawyer to decode, it does not belong in an agreement with an owner-operator. Ask us to explain any line before you sign it.
A named human, not a queue
You get a funding specialist with a direct line. They know your fleet, your brokers, and your paperwork.
We say no before you haul
If a broker's credit doesn't clear, you hear it before the wheels turn, not after you've delivered and can't get paid.
Side by side
What changes when you leave the average factor.
The terms below are where carriers actually lose money — and where we are deliberately different.
| Term | Capital Hart | Typical Factoring Company |
|---|---|---|
| Time to funding | Same day | 1–3 business days |
| Start-up & set-up fees | $0 | Application & onboarding fees |
| Reserves held back | $0 — nothing withheld | A slice of every invoice held |
| Who eats a broker insolvency | Non-recourse — we do | Recourse — you buy it back |
| Rate | As low as 2%, all in | Headline rate plus add-ons |
| Fuel advance | Available on booked loads | Limited, or not offered |
| Contract term | One year, terms on page one | Long term with an exit fee |
| Broker credit checks | Unlimited, free | Capped or billed per check |
The “typical” column describes terms commonly advertised across the freight factoring market and will vary by provider — compare it against your current agreement, not against a competitor's homepage.
Already factoring?
Send us your rate. If we can't beat it, we'll tell you to stay.
Five questions. We read your agreement, tell you what leaving would cost, and quote against it in writing.
Run your numbers
What a percentage point actually costs you.
Move the slider to your monthly invoice volume. The gap is what the average factor keeps.
$100,000
Monthly invoice volume
You keepafter the Capital Hart fee
$98,000
Capital Hart feeat our 2% floor rate
$2,000
Typical factor feeat a 3.5% market rate
$3,500
Difference per month
$1,500
Difference per year
$18,000
Illustration only. 2% is our lowest available rate, not a quote — your actual rate depends on monthly volume, broker credit quality and program terms. The 3.5% comparison is a commonly advertised market rate, not a specific competitor's pricing.
Get funded
Three fields. Same-day answer.
MC number, phone, email. That's the whole application to get started — no start-up fee, no reserve, no surprises in the agreement.