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Owner-Operator Program

Factoring
3% Of Gross

Optional 3% — get paid the day you deliver

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

Who It's For

Factoring
In Plain Terms

Any driver on either program who would rather not wait 30 to 45 days on broker net terms to see the money.

Factoring is an add-on and it is genuinely optional — it is never required and never applied without you asking for it. At 3% of gross linehaul we advance the invoice the day the load delivers and chase the broker for payment ourselves. Skip it and you are simply paid when the broker pays.

What you get

  • Same-day pay on delivered loads
  • Invoicing and collections handled for you
  • No waiting on broker net-30 or net-45 terms
  • Turn it on or off per load, not per contract

What you need

  • Active on the lease-on or dispatch program
Check The Math

Run It On
Your Own Load

The calculator uses the same function as every figure published on this site. Factoring is off by default because it is optional.

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%

You — 82%3Xpress — 18%

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%.

Prefer to talk to a person?(602) 935-9993Call Dispatch

Owner-Operator Application

Fields marked with an asterisk are required. The more detail you give us, the more accurate the answer comes back.

FAQs

Factoring 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.

Request A Pickup

Questions Before
You Commit?

Call (602) 935-9993. Settlement schedule, dispatch policy and escrow are not published — ask and you will get each one directly, in writing. The gross linehaul basis never changes.