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QP TruckingSolutions
Pure Non-Recourse factoring protection for trucking companies

Factoring · Flagship program

Pure Non-Recourse™ Debt Factoring

Grow your business without debt, address working capital needs and convert invoices into cash — with no chargeback risk, ever.

Start my applicationCall 833-762-3464
Chargeback risk
Zero
Protection
Lifetime

Quick answer

Pure Non-Recourse™ Debt Factoring — in one paragraph

Pure Non-Recourse™ is QP's flagship factoring program. If you deliver a Pure load with no deductions or claims and submit legible Pure paperwork, you receive Pure Protection: the invoice is never charged back to you, even if your customer never pays or files bankruptcy months later.

Our Pure Non-Recourse™ debt factoring program is the ultimate protection for trucking companies against unpaid freight. Deliver a Pure load — a load with no deductions or advances — and submit Pure paperwork, meaning all copies are legible and acceptable to bill with, and you receive Pure Protection: you never have to worry about that load again.

Most factoring companies offer non-recourse, which protects you against debtor bankruptcy. What they don't tell you is that bankruptcy doesn't happen overnight — it takes months or years. Most factoring companies only allow an invoice to age 60 or 90 days. If your customer does not declare bankruptcy inside that window, those companies will still come after you for the unpaid invoice through a chargeback or buyback.

What makes Pure Non-Recourse™ different

Traditional non-recourse agreements protect you only during a short aging window. QP's Pure Non-Recourse™ program removes the chargeback entirely for qualifying loads, which matters when a single unpaid $10,000–$15,000 invoice can wipe out a young carrier's cash reserves.

QP Trucking Solutions does offer standard non-recourse at a discounted rate. While chargebacks are rare, they can be quite expensive when they occur. What suits you best depends on your tolerance for risk and the size of your cash reserves — we'll show you both options side by side and let you decide.

Benefits of invoice factoring with QP

Get cash in less than 24 hours so day-to-day bills get paid on time
Eliminate the overhead of processing and collecting invoices
Unlimited capital that grows with your sales — without adding debt
Poor personal credit is not disqualifying; only customer credit is reviewed
Factor only the invoices you choose
Pure Protection on qualifying loads — the ultimate peace of mind

Get funded in minutes with QP Pay

Each QP Trucking Solutions client receives a personal QP Card loaded in minutes after load verification. Use it anywhere Mastercard is accepted, tap into the nation's largest fuel discount network, transfer funds to your bank account, push funds to sub-card accounts to pay drivers, set up bill pay, and cover company or personal expenses from one card.

Prefer to send paperwork from the cab? Download the QP app and photograph your rate confirmation and proof of delivery. It makes the paperwork process simple, fast and efficient.

What you get

  • No chargeback on qualifying Pure loads — even if the broker never pays
  • Protection that does not expire after 60 or 90 days
  • Get paid in minutes after verification with QP Pay
  • Broker credit checks included, unlimited
  • Flat fee structure with no hidden fees
  • No long-term contract — leave whenever you want, seamlessly

Talk to a real person

Questions about pure non-recourse™? Our Louisville team answers in minutes, not days.

Call 833-762-3464Request a callback

Mon – Fri, 8:00 AM – 8:00 PM EST

How it works

Pure Non-Recourse™: three steps, one team

No jargon, no runaround. Here is exactly what happens after you get started.

  1. 01

    Haul a Pure load

    No deductions, no advances, no claims — book the load and deliver exactly as the rate confirmation states.

  2. 02

    Turn in Pure paperwork

    Legible rate confirmation, signed bill of lading and proof of delivery. Snap and send from the QP app.

  3. 03

    Keep the peace of mind

    Once verified, the invoice is funded and the protection is permanent. That load stops being your problem.

Why carriers stay with QP

More than factoring: everything under one roof

Insurance, factoring, permits, dispatch support and equipment finance live in the same building — so one phone call moves three problems forward at once.

  • Flat, disclosed fees
  • No long-term contract
  • Same-day human support
  • Licensed & bonded
  • 1,000+ carriers served
  • Louisville, KY based

FAQ

Pure Non-Recourse™ questions, answered

The questions our Louisville team hears most from owner-operators and fleet owners.

It means that once you deliver a clean load and hand in clean paperwork, the invoice is never charged back to you. If the broker ignores the bill or goes bankrupt a year later, you still keep the money you were advanced.

Regular non-recourse only protects you from a customer bankruptcy declared inside a 60- or 90-day aging window. Pure Non-Recourse™ removes that window and the chargeback itself for qualifying loads, so the risk sits with QP, not with you.

A Pure load has no deductions, advances or claims against the freight. Pure paperwork is a legible rate confirmation plus signed bill of lading and proof of delivery — everything needed to bill the broker without dispute.

Non-recourse programs carry a slightly higher flat fee because QP assumes the credit risk. Because there is no long-term contract and no minimums, many carriers blend both programs — Pure on weak brokers, recourse on strong ones.

Yes. Insurance, authority setup, permits, compliance filings, dispatch support and equipment finance are all under one roof, which is exactly why new authorities start here and stay.

Keep going

Pair it with these QP services

Most carriers combine two or three services to remove friction from their week.

Looking for the full picture? See every service and price

Pure Non-Recourse™ · next step

Ready to get pure non-recourse™ handled today?

Send us your details and a QP specialist will call you back the same business day — or dial 833-762-3464 and skip the form entirely.

Start my applicationCall 833-762-3464
Sales833-762-3464Office / accounting502-398-6333Emailinfo@qpfactoring.com
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