WEX Invoice Factoring · A TTT Trusted Partner
Stop waiting 30–60 days. Get paid in 24 hours
Cash flow shouldn't slow you down. Carriers, owner-operators, and service providers on TTT can sell invoices to WEX and get funded same day or next day — so trucks keep moving and deals keep closing.
No hidden fees · You only pay when you factor · Optional for all TTT users
Freight factoring that simplifies invoicing, improves load management, and streamlines payment — so you get paid quickly.
The math on waiting
You invoice is good. The wait isn't
Standard payment terms park your money for a month or two. WEX evaluates your customer's credit — not yours — approves the invoice, and funds you within 24 hours.
Traditional Invoice Terms
Through TTT
Most users receive funds within 24 hoursof invoice approval.
Why TTT offers factoring
This isn't just financing. It's a workflow advantage.
TTT exists to remove friction from every transaction. Factoring feeds the TTT Power ecosystem — every hour saved on payment compounds down the line.
Faster Payments
Invoices funded in 24 hours instead of sitting in someone's AP queue.
Faster Transport
Carriers and service providers keep working without cash-flow stalls.
Faster Closing
Deals on TTT close sooner — and more revenue gets realized.
Who is eligible?
If you invoice, you can factor.
WEX evaluates the credit of your customer, not you — which makes factoring ideal for new businesses, small operators, and growing fleets.
Credit check: your customer — not you
How it works
Three steps. No detours.
Fill out a short WEX onboarding form. Once approved, you can begin factoring immediately.
Send WEX the invoice for your transportation or service work. WEX checks your customer's credit — not yours.
Most users receive funds within 24 hours of invoice approval. A small factoring fee applies only when you factor.
Frequently asked questions
Straight answers on factoring.
Freight factoring goes by many names — invoice factoring, fleet factoring, load factoring, trucking factoring. Whatever you call it, it works the same way. Here's what TTT users ask most.
WEX Factoring allows carriers and service providers to sell their invoices to WEX and get paid same day or next day, instead of waiting weeks for customers to pay. It's fast, reliable, and built for transportation.
Because it helps you move faster. Factoring gives you immediate cash to cover:
- Fuel
- Repairs
- Transport
- Payroll
- New equipment
- Unexpected expenses
It keeps your operation running without delays.
Anyone on TTT who invoices for transportation or service work — carriers, owner-operators, small fleets, inspection providers, repair shops, and transport companies. If you invoice, you can factor.
Most users receive funds within 24 hours of invoice approval.
WEX evaluates the credit of your customer, not you. This makes factoring ideal for new businesses, small operators, and growing fleets.
WEX charges a small factoring fee based on invoice amount, customer credit, and payment terms. There are no hidden fees and you only pay when you factor.
It gives Sellers immediate liquidity to pay for transport, fund repairs, move inventory faster, and buy their next unit sooner. Faster cash = faster deals.
Buyers benefit because carriers can move equipment faster, service providers can complete work without delays, and deals close sooner. Factoring accelerates the entire transaction cycle.
It supports our TTT Power ecosystem: faster payments → faster transport → faster closings → more revenue realized. It's a friction-removal tool.
No — it's completely optional. But it's a strategic advantage for anyone who wants predictable cash flow.
Complete a short WEX onboarding form. Once approved, you can begin factoring immediately.
TTT is your first line of support. WEX also provides dedicated factoring specialists for onboarding, invoice questions, and payment support.
Factoring Request
Your money shouldn't ride in someone else's AP queue.
Complete a short WEX onboarding form and start factoring immediately after approval. No hidden fees. You only pay when you factor.
Factoring Request
