Why XFactors?

Factoring Freight  for Independent Owner Operators, Freight Brokers, And Small Companies Since 1990

Its simple, we have Low Fixed Factoring Rates - you will know exactly how much you will make on each load. Everything is included. No Complicated Formulas to use to figure out what you'll make based on the age of the invoice when your customer decides to pay it. No confusing schedules of payments or hidden fees. Your factoring rate is FIXED every time. You get all your money when you factor with us.

We can also custom design a factor program that works for you. Variable rates, with or without reserves, with or without fees, you decide! Just tell us what you need. XFactors is the Flexible Factor.

We are a small company, helpful and friendly, you will always deal with the same account manager. 

Never factored before? We can help.

Free ACH (Direct Deposit)

Free Truckstop Scanning of your delivery documents. Allows you to get paid immediately after you deliver.

No Minimums - No Maximums - We are your UNLIMITED line of credit

Full Advance - No Holdbacks - No Reserves - You get your cash NOW

No Long Term Contracts

Funding in 24 hours or Less

Factor only the invoices/customers you desire

Free Credit Checks 24 hours a day using our website.

Funds can be wire transferred directly into your bank account

No financial statements required to establish an account

XFactors can deal with poor credit, tax liens, bankruptcies and most other credit issues


XFactors is your office:

We do the invoicing - we are professionals at accounts receivable bookkeeping. Each associate has over 20 years experience in transportation receivables.

We do the credit checks for you.

We do all the follow up - with you and your customer.

We fax, mail or email weekly reports to you.

We chase your money and collect promptly.

You just get the loads, deliver, send in the paperwork and know the cash is in your bank!


We subscribe to credit agencies such as Ansonia, Compunet-First Advantage, eCredit, D&B, and others. We can help you determine if a new customer you found has a good payment history.

Call: (816) 220-1700
email: cash@xfactors.net

Need to check credit?

© Xfactors Financial Inc 2001-2014