We built the factoring company we wished existed.
Why we exist
Freight factoring is a simple product that the industry has spent thirty years making complicated on purpose.
A carrier delivers a load and waits thirty to sixty days for a broker to pay. A factor closes that gap by buying the invoice today. That is the entire business. Everything beyond it — reserve accounts, tiered rate cards, per-invoice fees, ACH charges, exit penalties buried on page fourteen — is revenue engineering aimed at people who are too busy driving to read a fourteen-page addendum.
Capital Hart was built to sell the simple product at a fair price and stop there. One rate, printed. Nothing held in reserve. A one-year agreement with the terms on the first page. If a broker we approved fails, that is our loss, not a chargeback on your next settlement.
What non-recourse actually means here
“Non-recourse” is one of the most abused words in this industry. Plenty of factors advertise it and then define it so narrowly in the agreement that it protects nothing.
Ours means what it sounds like: on invoices from brokers we approved, if that broker becomes insolvent and cannot pay, we absorb the loss. We do not invoice you for it and we do not deduct it from a future funding. What it does not cover — and what no honest factor covers — is a load you did not deliver correctly: a service failure, a cargo claim, a shortage, or a dispute the broker is legally entitled to raise. If someone tells you their non-recourse program covers those too, read the definition section before you sign.
How we make money
On the factoring rate. That is the whole model. We do not have a fee schedule we hope you will not read, we do not earn on float from a reserve account, and we do not have a retention team whose job is to make leaving expensive.
The consequence is that we have to keep being worth it every single month. We think that is the correct incentive for both of us.
A promise you can screenshot is worth more than one made on a sales call. That is why every term we advertise is written down on this website.
Our pledge
Six things we hold ourselves to.
If we ever break one of these, hold us to it — in writing, to the person who signed your agreement.
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.
Nothing held back
Reserve accounts are how factors sit on your money. We hold $0 in reserve.
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.
A named human, not a queue
You get a funding specialist with a direct line who knows your fleet and your brokers.
We say no before you haul
If a broker's credit does not clear, you hear it before the wheels turn.
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.