Factoring — their whole book, never our own loads
Stage 7 · Platform Engines
P2Future Platform
Four-Lane View
Software Function
- ›White-label factoring rails (partner first: 30–50% rev share, no capital/credit risk; SPV later) Underwriting from our data: carrier’s FreightShift history, eBOL/GPS-verified docs for third-party loads 2.5% published rate (market avg 2.8%); same-day advance; zero reserve games Hard rule in code: FreightShift loads are never factorable — 7-day pay stays free
Service Provider / Admin
- ›Credit ops monitors third-party debtor risk; fraud team leverages the document chain Finance keeps the book in the SPV — never on the software company (multiple protection)
User — Driver / IOO
- ›One tap: factor the load they hauled for another broker at a fair, published rate No switching factoring companies, no reserve holdbacks, no games
Customer — Client / FF / NVOCC
- ›N/A directly — but carrier cash health = capacity stability on their freight
Software Function
- ›White-label factoring rails (partner first: 30–50% rev share, no capital/credit risk; SPV later) Underwriting from our data: carrier’s FreightShift history, eBOL/GPS-verified docs for third-party loads 2.5% published rate (market avg 2.8%); same-day advance; zero reserve games Hard rule in code: FreightShift loads are never factorable — 7-day pay stays free
Competitors
HaulPay (≤3% flat, transparent), OTR Capital, Triumph (payments-identity tie-up with Highway), legacy factors (reserve holdbacks, 3%+)
Differentiation
Factors fight fraud with phone calls; our eBOL/GPS chain makes fake invoices nearly impossible — better losses, better rate, and it deepens driver lock-in instead of taxing it.
Make It Better
At 5,000 carriers factoring their outside work: ~$10M revenue from a product that COSTS our carriers nothing on our own freight — Uber’s QuickPay mistake, inverted.