Dispatch and factoring services: the company office, without the company
As a company driver, an office found your loads, handled the paperwork and paid you every week. On your own authority, our desk does the first two and RTS Financial, our factoring partner, does the third. You keep the parts that matter: you approve every load, the rate con comes to you, and the money goes to your account.
The company office took a cut of every load for doing this; you just never saw it on your check. Here, you see both costs on paper, choose whether you want each service, and can drop either one with notice. A sensible start is to keep both for the first few months, then decide on each.
Factoring is optional. Dispatch works the same whether you factor with our partner, another company, or not at all.
Who does what
- Loads, rates, broker calls
- Our dispatch desk
- Yes or no on every load
- You
- Carrier packets, NOA to brokers
- Our desk
- Invoice upload
- You, in the factor's app
- Next-day pay, collections
- RTS Financial
One week of booked loads, and when the money lands
Four EXAMPLE loads, booked by the desk and confirmed by the driver, run Dallas to Atlanta and back. Switch between factoring and waiting on brokers to see the difference in when cash arrives. The loads, the miles and the fee stay the same either way.
Mon
- Pick up: Dallas, TX
Tue
- Pick up: Memphis, TN
- Deliver: Memphis, TN
Wed
- Deliver: Atlanta, GA
- Advance in: $1,485
Thu
- Pick up: Atlanta, GA
- Deliver: Charlotte, NC
- Advance in: $1,125
Fri
- Pick up: Charlotte, NC
- Advance in: $810
Sat
Sun
- Deliver: Dallas, TX
- Booked this week
- $6,500
- Cash in by Friday
- $3,420
- Dispatch fee 5%
- $325
Advances at 90%, the business day after delivery; Sunday's delivery is advanced Monday. Reserves, minus the factor's fee, follow when brokers pay.
That Friday figure is what pays for next week's fuel. Without it, the same truck needs about a month of fuel and payments saved before the first broker pays, which is exactly the cushion most drivers don't have when they leave a company job.
What the view leaves out: the reserves. Each factored load also has about 10% held back, which comes in, minus the factor's fee, as each broker pays over the following weeks. After a month of steady loads, those reserve payments arrive every week too, and the cash flow evens out.
Two prices, from two companies, both in writing
Dispatch, from us
- MC under 6 months7%
- Standard, 1 truck5%
- 2+ trucks (limited time)4%
Of gross load revenue, only on loads you haul. No setup fee, month-to-month, 30 days notice to cancel. Full terms.
Never charged: a fee for factoring paperwork, a percentage of your factoring advance, a cut from the broker, or anything in a week your truck doesn't haul.
Factoring, from RTS Financial
Your rate comes from RTS Financial's own quote, based on your volume and your brokers' credit. It doesn't publish a percentage. For context, typical factoring fees in 2026 run 1.5% to 4%, most often 2% to 3%.
Source: AtoB, Freight Factoring guide (updated May 8, 2026) · checked Oct 2026
We may be paid for referring you. It doesn't change your factoring rate or our dispatch fee. Disclosure.
One $2,500 load, both servicesExample
Dispatch at 5%: $125. Factoring at an EXAMPLE 3%: $75. Together $200, and you're paid the next business day instead of next month. Whether that's worth it is your call; see is factoring worth it.
NOA, paperwork and who controls what
Before the first load
You sign with the factor. We add the factor's notice of assignment to your carrier packet, so every broker we set you up with knows where to pay from day one.
Before each load
We check the broker with your factor's credit list, negotiate, and offer you the load. You confirm or pass. The broker sends the rate con to you.
After delivery
You upload the signed BOL and rate con to the factor. We chase anything missing: a corrected rate con, a detention sign-off, a lumper receipt.
What we never do: hold your freight money, sign rate cons for you, take money from brokers, or require you to factor with our partner. Your factoring agreement, your bank account and your load decisions stay yours. New to all of it? How to start with dispatch walks through onboarding.
Already factoring with someone else? Keep them. Send us their notice of assignment and their broker approval rules, and we'll set up your carrier packets and check brokers against their list the same way. If you ever switch factors, we'll send the new notice to every broker you've hauled for with us, so no payment goes to the old address.
The notice of assignment, explained
When you factor, you sell your invoices to the factor. The notice of assignment (NOA) is the letter telling each broker that, and telling it to pay the factor instead of you. Once a broker has it, paying anyone else doesn't clear its debt, so brokers follow it.
The broker never pays us. Our dispatch fee is invoiced to you, separately, and only on loads you hauled. That keeps the money simple: broker to factor, factor to you, you to us.
If a broker pays you directly by mistake, tell the factor the same day and forward the payment. The factor owns that invoice; holding the money, even by accident, can freeze your advances until it's sorted. It usually happens when a broker's setup still has your old remit-to, which is one more reason we send the notice before the first load.
Source: UCC 9-109(a)(3) · checked Oct 2026
- 01Broker pays the invoice on its terms to the factor named in the NOA
- 02Factor already advanced you most of it; releases the reserve minus its fee
- 03You receive the advance and the reserve in your own account
- 04Us invoice you 5% of the load's gross, separately
Dispatch and factoring questions
Start with dispatch. Add factoring if you want it.
Apply for dispatch in about 2 minutes, then request a factoring quote below, or ask your dispatcher about it on the first call.
Factoring quote only
We refer carriers to a factoring partner and may be paid for referrals. Disclosure
More on getting paid faster: fast pay overview.
How fast is payment when dispatch and factoring work together?
Usually the business day after delivery, once clean paperwork reaches the factor; same-day funding is often available for a fee. Our part is making that likely: the factor's notice goes to each broker in your carrier packet, and we remind you which documents to photograph at the dock. The broker still pays the factor on its normal terms.
Does factoring change how loads are booked?
A little, for the better. Before we offer you a load, we check that your factor will buy that broker's invoices. A broker your factor won't approve doesn't reach your phone unless you've told us you want those loads anyway. Otherwise booking works the same: we negotiate, you confirm or pass, the rate con comes to you.
Can my dispatcher handle factoring paperwork?
We handle the parts on our side: your carrier packets with the factor's notice of assignment, rate cons, and chasing brokers for corrected paperwork. You, or your office, submit invoices to your factor, because the factoring agreement is between you and the factor and the money goes to your account. We never collect or hold freight money.
Who sends the invoice to the factor?
You do, usually by photographing the signed BOL and rate con in the factor's app; many factors build the invoice from them. If you'd like, we can send you the rate con and any accessorial confirmations in one message after delivery, so the upload takes a minute. The factor then pays you and collects from the broker.