What we Offer

What We Offer

Track Your Business Growth

Email

cash@xfactors.net

Phone

(816) 220-1700

Fixed Rates, Fast Payments, No Surprises

Fixed Factoring Rates with No Reserve Held – get paid the same day you deliver.

You will know exactly how much money you will receive on each load. Everything is included in our fixed factoring rate. No complicated formulas are needed to determine your payment, regardless of the invoice’s age. There are no confusing payment schedules or hidden fees to worry about. Your factoring rate remains fixed every time, so you always know exactly what to expect. With us, you get all your money immediately when you factor your invoices. This simple and efficient process ensures your cash flow stays steady and helps maintain your business reputation, providing peace of mind.

No application, setup, or termination fees.
Non-recourse factoring – we take the risk.
Personalized service with a dedicated account manager.
No minimums or maximums – unlimited line of credit.
Full advance – no holdbacks or reserves – get your cash now.
No long-term contracts – cancel anytime if unsatisfied.
Free fuel cards with EFS, plus fuel and service discounts.
Immediate payment after scanning and submitting load paperwork.

Quick Funding Solutions

Get Paid Fast with No Hassle

XFactors offers lightning-fast funding options, including the ability to load your free EFS fuel card within just one hour of delivery. If you prefer, we also provide same-day ACH direct deposits to your bank account, funding twice daily. You have the flexibility to choose which invoices and customers you want to factor—never feel forced to factor a customer you’re not comfortable with. No financial statements are required to open an account, and we are able to work with clients dealing with poor credit, bankruptcies, or other financial challenges.

Quick Funding

0 1 Hour

Fuel Card Fund

1 Hour

Professional Office Services

Expert Invoicing, Billing, and Customer Support

At XFactors, we manage all aspects of invoicing and billing with our expert accounts receivable professionals. You won’t need to worry about follow-ups, late fees, or paperwork. We handle it all, including weekly reports sent via fax or email. Just get the loads, deliver, submit your paperwork, and your cash is in the bank. Our service is all-inclusive, with no hidden fees for late payments, ACH deposits, fuel card funding, or reinvoicing. We base credit limits on your customer’s creditworthiness, not yours, so you don’t need to meet traditional lending criteria. We also offer free credit checks for any shipper, freight broker, or trucking company you work with, using reliable credit agencies like Experian and D&B.

Tailored Solutions

Customized Factoring Plans for Your Needs

XFactors offers customized factoring programs with flexible rates, reserves, and fees to fit your business needs. Whether you’re new to factoring or need a tailored solution, we’ve got you covered!

What We Offer