Recourse factoring
Lowest fee
- Credit risk
- You carry it
- Broker bankruptcy
- Not protected
- Best for
- Carriers with strong brokers and cash reserves
Pure Non-Recourse™ factoring · Insurance · Compliance
Get started, grow quickly, and operate profitably — without incurring debt!
QP Trucking Solutions turns your freight invoices into same-day cash, keeps your authority compliant, and places the insurance brokers demand — one family-owned team in Louisville, Kentucky.
Funding in ~15 minutesSetup under 24 hoursNo long-term contractSales 833-762-3464
Funding pipelineCASH FLOW
Invoices cleared today
87%
- Advances
- Same business day
- Cost
- Flat, disclosed fee
- Contract
- None
- Carriers funded & set up
- 1,000+
- Typical setup time
- 24 hrs
Pure Non-Recourse™ program·No long-term contract·Flat fee — no hidden charges·Same-day approvals·FMCSA compliance team·Licensed & bonded·Family-owned in Louisville, KY·24/7 client portal + app·Pure Non-Recourse™ program·No long-term contract·Flat fee — no hidden charges·Same-day approvals·FMCSA compliance team·Licensed & bonded·Family-owned in Louisville, KY·24/7 client portal + app·
Who we are
The factoring company for trucking solutions
Trucking businesses and owner-operators are the backbone of our economy. QP Capital is here to help you succeed and keep business moving — with cash flow today and compliance handled for the long haul.
QP Trucking Solutions is a financial institution offering alternative business funding without the acquisition of debt. We purchase your outstanding receivables and turn paper invoices into real cash, providing working capital for start-up, growth and expansion.
Everything a trucking company needs lives under one roof: insurance, factoring, compliance, permits, dispatch support and equipment finance. One team, one phone number, no juggling vendors while your trucks sit.
Quick answer
What does QP Trucking Solutions do?
QP Trucking Solutions (QP Capital LLC) is a Louisville, Kentucky based factoring company and licensed insurance agency serving trucking companies nationwide. It buys freight invoices so carriers get paid in minutes instead of 30–45 days, and it also handles trucking insurance, new authority setup, permits and FMCSA compliance.
Get paid in three steps
- 1Deliver your load
- 2Send paperwork
- 3Get paid
Funding solutions for your industry
Convert your invoices into cash
Standard payment terms in transportation are net 30 — but the majority of checks actually arrive between 33 and 45 days. Factoring closes that gap without adding debt.
01
Submit your invoices
Deliver the load, then send the rate confirmation and proof of delivery from the QP app or by email. We run a free credit check on the broker for you.
02
Get paid
Funds upload to your QP Card or land in your bank account — typically in about 15 minutes after load verification, with the balance released when your customer pays.
03
Grow your business
Add trucks, hire drivers and take bigger loads without borrowing. Your funding line grows with your sales, because factoring scales with revenue.
04
Repeat
No minimums and no long-term contract means you factor what you want, when you want — and we keep billing and chasing payment in the background.
How transportation factoring works
Or call 833-762-3464 for a same-day quote.
Everything under one roof
Services built for owner-operators and fleets
Transparent pricing, filed by the same team that knows your account — from your first MC number to your hundredth truck.
Choose your risk tolerance
Recourse, non-recourse or Pure Non-Recourse™
Most factoring companies offer 'non-recourse' and stop there. Read the aging window before you sign: if bankruptcy is not declared inside 60 or 90 days, many competitors still charge the invoice back to you.
Non-recourse factoring
Discounted rate available
- Credit risk
- QP carries default
- Broker bankruptcy
- Protected inside a 60–90 day window
- Best for
- Carriers who want bankruptcy protection at a lower cost
Pure Non-Recourse™
Flat, disclosed fee
- Credit risk
- QP carries everything
- Broker bankruptcy
- Protected with no time window
- Best for
- New authorities and anyone who cannot absorb a $10–15K chargeback
How QP works
Get started, grow quickly, and operate profitably
Three commitments we make to every carrier: a fast answer, a flat fee and a team that already knows your file.
- 01
Get started
Apply online or call 833-762-3464. A specialist reviews your authority, insurance and customer list, then quotes a flat, disclosed rate — no pressure, no obligation.
- 02
Grow quickly
Deliver the load and submit paperwork from the app. We run credit on your brokers, invoice them for you, and advance funds in minutes with no minimums and no long-term contract.
- 03
Operate profitably
Add insurance, permits, dispatch support and equipment finance through one team that knows your account. Keep cash flowing without borrowing a dollar.
- Carriers funded & set up
- 0+
Carriers funded & set up
owner-operators to 200-truck fleets
- Typical setup time
- 0 hrs
Typical setup time
signed agreement to first advance
- Average funding time
- 0 min
Average funding time
after load verification
- Long-term contracts
- 0
Long-term contracts
factor what you want
- Pure Non-Recourse™ program
- No long-term contract
- Flat fee — no hidden charges
- Same-day approvals
- FMCSA compliance team
- Licensed & bonded
- Family-owned in Louisville, KY
- 24/7 client portal + app
What others say about us
Carriers who stayed, and why
Client feedback from the fleets and owner-operators QP funds every week.
“I can't say enough great things about QP Capital. They provide me with unlimited credit checks, Quick Pay, and they have a program that is simple to understand.”
“QP is more than just a factoring company. In the beginning they actually coached me on how to negotiate rates with brokers. The inside knowledge they provided me is priceless.”
“I absolutely love the fuel card — every time I look at that statement and see 25 or 40 cents off the cash price it makes me tingle.”
“It is nice to work with a smaller company. Every time I call they already know who I am and what I'm working on. I don't have to go through a phone system like the larger companies.”
Coverage we place
Liability · Cargo · Bobtail · Physical damage · NTL · General liability
Call 833-762-3464QP Trucking Insurance
Coverage bound fast, priced right
An active insurance policy is required before your authority becomes active. We coordinate insurance, BOC-3 and permits so your MC number goes live without gaps.
- Licensed agents who only write transportation risks
- Certificates and FMCSA filings issued the same day whenever possible
- Broker-required limits and endorsements handled for you
- Bundle with factoring for preferred pricing
- Annual reviews to catch rate drops and coverage gaps
- Claims advocacy — we help you through the hard days
FAQ
Trucking factoring, insurance & compliance — answered
Straight answers to the questions carriers ask before they call. Every answer is also published as structured data so search engines and AI assistants can quote it accurately.
Trucking factoring is the sale of your freight invoices to a factoring company at a small discount so you get paid in hours instead of the 30–45 days brokers and shippers typically take. You deliver the load, send the rate confirmation and proof of delivery, and QP Trucking Solutions advances the money — usually within minutes of load verification.
No. Factoring is not a loan and does not create debt. You are selling an asset — an approved receivable — for cash, which means nothing appears on your balance sheet as borrowing and your personal or business credit is not the deciding factor.
Most carriers complete onboarding in less than 24 hours. Once your packet is approved and your first load is verified, funds are uploaded to your QP Card or sent by ACH, with clients routinely funded in about 15 minutes.
No. QP has no long-term contract and no minimum volume requirement. You choose which invoices to factor, so you can scale up, pause, or leave at any time.
Pure Non-Recourse™ is QP's flagship program. If you deliver a Pure load — no deductions or claims — and turn in legible Pure paperwork, you never have to buy that invoice back, even if the broker never pays or files bankruptcy. It removes chargeback risk entirely.
Yes. QP handles authority setup, BOC-3 filings, DOT compliance binders, drug and alcohol consortium enrollment, IFTA, IRP plates, UCR, MCS-150 updates and SCAC codes — plus insurance and factoring — so a new carrier can be legally operating under one roof.
QP charges flat, disclosed fees based on your volume, your customers' credit and the program you choose. There are no hidden charges, no application fees and no minimums. Call 833-762-3464 for a same-day quote.
Yes. Factoring decisions are based on the creditworthiness of your customers — the brokers and shippers who owe you money — not on your personal credit score, which is why new authorities and credit-challenged carriers can qualify.
Insights
Trucking money & compliance briefings
Industry news, cost benchmarks and plain-English guides — the same material we hand new clients.
Free consultation
Let's get your cash flowing this week
Tell us about your trucks and your customers, and a QP specialist will call you back the same business day with a flat rate and a straight answer. Or simply dial 833-762-3464.