Transportation
Our specialtyFreight factoring for carriers and owner-operators. Get paid the day you deliver, with fuel perks built in.
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No two sectors invoice the same way. A carrier gets paid on delivery; a staffing agency runs payroll weekly; a manufacturer waits on a purchase order. Xfund shapes your factoring program around the way money actually moves in your business — so the cash lands exactly when you need it.
Whether you bill on delivery, run weekly payroll or invoice against a purchase order, we advance up to 90% the same day — and wait to get paid for you.
Jump straight to a program built for your sector, or explore them all. If you invoice other businesses on credit terms, there's a good chance we can fund you.
Freight factoring for carriers and owner-operators. Get paid the day you deliver, with fuel perks built in.
Explore →Pay your workers weekly while clients pay you in 30 to 60 days. Turn placements into instant cash.
Explore →Unlock the capital trapped in your receivables to buy materials and fill bigger purchase orders.
Explore →Cover supplier terms and take on larger retail accounts without stalling your cash flow.
Explore →Smooth over the long payment cycles big retailers demand and keep buying stock on time.
Explore →Factor subcontractor receivables and progress billings so long draw cycles never stall the job.
Explore →Turn service tickets and field invoices into working capital that keeps crews and equipment running.
Explore →Serving the public sector means patient invoicing. We advance now so slow-paying contracts don't squeeze you.
Explore →Freight factoring is where Xfund started. We fund carriers and owner-operators across every lane — dry van, reefer, flatbed and more — so you get paid the day you deliver instead of waiting weeks on a broker or shipper.
Illustration only. Advance rates and fuel-advance availability depend on your lanes, volume and the credit of the brokers and shippers you haul for.
Illustration only. Advance rates and terms depend on your client mix, invoice volume and customer credit.
Your people expect a cheque every week, but your clients pay on their own schedule — usually 30 to 60 days later. Factoring closes that gap so you can grow your placements without ever sweating payroll.
You've shipped the order, but the payment is 60 days out — and the next purchase order is already waiting. Factoring frees the cash locked in your receivables so you can buy materials, cover labour and say yes to bigger runs.
Illustration only. Advance rates depend on your order book, invoice volume and customer credit.
Illustration only. Advance rates depend on your accounts, invoice volume and customer credit.
In distribution, cash sits still while goods keep moving. You pay suppliers now and wait to get paid later. Factoring keeps that cycle spinning so you can restock, cover supplier terms and win the accounts that would otherwise be out of reach.
Large retailers set the terms, and they're rarely in your favour — 60, 90, sometimes 120 days to pay. Factoring bridges those long cycles so you can keep buying stock, honour your own supplier commitments and grow into national accounts.
Illustration only. Advance rates depend on your buyers, invoice volume and customer credit.
Illustration only. Construction receivables vary by contract; holdbacks and terms are reviewed individually.
Draw schedules and slow approvals can leave you carrying payroll and material costs for months. We factor subcontractor receivables and progress billings so the cash keeps flowing between draws — and we work through the details of holdbacks with you.
Factoring is simpler to qualify for than a bank loan. If these three things describe your business, there's a strong chance we can fund you — whatever your industry.
You sell to other companies (B2B) on credit terms — net 30, 60 or 90 — rather than taking payment up front or selling to consumers.
You invoice for goods delivered or services completed. The obligation is real and ready to be paid — nothing is still outstanding on your end.
The businesses that owe you have a reasonable track record of paying their bills. Approval leans on their credit — not yours.
Across every industry we serve, the story is the same: fast funding, honest pricing and real people who answer the phone. Here's what that looks like by the numbers.