Get Paid The Day
You Deliver
An optional 3% add-on. Off by default, never required, and never applied unless you ask for it.
Nationwide Coverage
All 48 contiguous states
Operating Since 2023
3 years on the road
5 Equipment Types
Dry Van · Reefer · Flatbed
Avondale, AZ Based
Dispatched from one place, not a broker network
Rate
3% of gross
Required
No
Default
Off
You keep
79% with it
Get Paid The Day
You Deliver
Brokers commonly pay on net-30 or net-45. Fuel does not wait 30 days, and neither does a truck payment. Factoring closes that gap by advancing the invoice when the load delivers.
Ours is 3% of gross linehaul, which takes the total deduction to 21% and your share to 79%. Decline it and you keep the full 82%, paid when the broker pays.
The reason to be careful with factoring generally is that it is often bundled into a headline rate without being labelled, so a driver who does not need it pays for it anyway. Ours is a separate line, off by default, and the calculator on the pay page shows both figures side by side.
If your cash position is comfortable, skip it. That is a genuine recommendation, not a hedge — 3% of every load is real money to give up for speed you may not need.
A Flat 18% Of Gross.
You Keep 82%.
No percentage-of-net arithmetic, no per-load admin fee, no trailer rental appearing on the settlement. This is the whole deduction.
Lease-On
RequiredRun under our operating authority with insurance and compliance handled.
- Operating authority (MC)
- Cargo & liability insurance
- DOT compliance & filings
- Settlements & IFTA
Dispatch
RequiredA dispatcher sourcing, negotiating and planning your freight — not a load board.
- Load sourcing
- Rate negotiation
- Route & trip planning
- Broker relationships
Factoring
OptionalOptional. Get paid the day you deliver instead of waiting on broker net terms.
- Same-day pay on delivered loads
- Invoice & collections handling
- No waiting on broker net terms
Required total
18% of gross linehaul
13% lease-on + 5% dispatch. Factoring is opt-in and not included.
You keep
82%
79% if you add factoring
Who Pays For What
The costs are the argument, not the percentage. A cheaper split that leaves you buying your own insurance is not a cheaper split.
3Xpress Covers
- Operating authority (MC)
- Cargo & liability insurance
- DOT compliance & filings
- Load sourcing & negotiation
- Settlements
- IFTA filing
You Cover
- Fuel
- Maintenance & tires
- Truck payment
- Occupational accident insurance
Ask us about: Trailer, Plates & permits, ELD, Insurance limits, Settlement schedule, Dispatch policy, Escrow amount and refund terms
We do not publish these because the honest answer depends on the program and the truck. Ask on the phone and we will tell you straight, in writing, before you commit to anything.
Worked Example
Phoenix, AZ → Dallas, TX
1,065 miles · Dry Van
Gross linehaul
$2,400
Less 18% (13% + 5%)
−$432
Your gross
$1,968
$1.85/mile
Fuel, maintenance and your truck payment come out of the $1,968, not out of our 18%. We show it this way because that is the number that actually matters to you.
Illustrative rate for a common lane. Actual linehaul varies by season, equipment and how the load is booked — the percentage does not.
Run It On
Your Own Load
Run Your Own Numbers
Same math as the table above. Nothing hidden.
What the load pays, before anything comes out.
Used for the per-mile figure only.
You take home
$1,968
$1.85 per mile(gross $2.25)
Less 18% of gross linehaul
−$432
You keep 82%
Fuel, maintenance and your truck payment come out of the $1,968 — they are your costs, not a further deduction by us. Accessorials such as detention and layover pass through to you in full. Without factoring you keep the full 82%.
Owner-Operator Application
Fields marked with an asterisk are required. The more detail you give us, the more accurate the answer comes back.
Freight Factoring For Owner-Operators Questions
Answered Straight
You keep 82% of gross linehaul. The deduction is a flat 18% — 13% for lease-on, which covers authority, insurance and compliance, and 5% for dispatch. That is the whole deduction. There is no separate trailer rental, no admin fee and no per-load charge appearing on the settlement afterward.
Ask Before
You Commit.
Call (602) 935-9993 and ask about settlements, dispatch policy and escrow. We would rather answer them now than after you have signed.
