QP Trucking factoring review (2026)

By the Owner Op Stack editorial teamPrices checked Nov 4, 2026How we rank

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Quick answer

QP Trucking (QP Capital, Louisville, KY) is a strong fit for new authorities that can’t absorb a bad broker. It offers recourse, non-recourse and a “Pure Non-Recourse” program with no chargebacks on qualifying loads, plus no minimums and no long-term contract. The catch: it doesn’t publish the flat fee amount, so you need a written quote.

Key takeaways

Three programs: recourse (cheapest), non-recourse (60–90 day bankruptcy window) and Pure Non-Recourse (no time limit).
No minimums, no long-term contract, no application fee, per QP’s factoring page.
QP says funding typically lands about 15 minutes after load verification, and setup takes under 24 hours.
QP also sells new-authority setup, insurance, drug and alcohol programs and a DOT binder.

QP Trucking at a glance

From the company’s own pages, checked Nov 4, 2026. “Not published” means we couldn’t find it on their site.
Item	What they say	Source
Fee	Flat, disclosed fee; amount not published. Quote same business day	source
Contract	No long-term contract, no minimums, no application fee	source
Recourse options	Recourse, non-recourse and Pure Non-Recourse	source
Funding speed	Typically ~15 minutes after verification, to QP Card or ACH	source
Setup time	Under 24 hours (authority, insurance, W-9, customer list)	source
Broker credit checks	Unlimited and free	source
Fuel card	QP Card with fuel discounts	source
New authority setup	New Authority Set-Up $200 ($100 for factoring clients)	source

What stands out

Pure Non-Recourse has no time limit on bankruptcy protection, which is rare.
No minimums or long-term contract, so you can factor one load or all of them.
One vendor for authority setup, insurance and factoring if you’re just starting.

What to watch

The flat fee isn’t published, so compare it in writing against Outgo’s public 3%.
QP compares “cost” by program but doesn’t list numbers for any of them.
Office hours are Mon–Fri, 8 AM–8 PM ET.

Which QP program fits

QP’s own comparison puts it simply. Recourse is the cheapest, but if a broker doesn’t pay, you buy the invoice back. Standard non-recourse covers a broker that goes bankrupt inside a 60–90 day window. Pure Non-Recourse covers “everything” on qualifying loads with no time limit. QP says most new carriers can’t absorb a $10,000–$15,000 shortfall early on, and that’s the risk Pure Non-Recourse is built for.

Our take: if you haul mostly for large, well-rated brokers and keep a cash cushion, ask for the recourse quote. If you’re in your first year, get the Pure Non-Recourse quote too and compare the difference in fee against what one unpaid load would cost you.

How funding works

Send your authority, insurance certificate, W-9 and customer list. QP runs credit on your brokers.
Haul the load and upload the rate con and signed BOL in the QP app.
QP verifies the load and pays, usually within minutes, to the QP Card or by ACH.
QP bills and collects from the broker.

Visit QP TruckingApplying with QP? Enter “Owner Op Stack” as the referral source on QP’s application.

Frequently asked questions

Is QP Trucking factoring non-recourse?

QP offers recourse, non-recourse and Pure Non-Recourse. Its page says standard non-recourse covers broker bankruptcy inside a 60–90 day window, while Pure Non-Recourse has no time limit and no chargebacks on qualifying loads.

How much does QP Trucking charge?

QP describes a flat, disclosed fee but does not post the amount online. It says it will quote a flat rate the same business day with no application fee.

Does QP have a contract?

QP says there is no long-term contract and no minimum volume. You can pause, scale up or leave without penalty.

What do I send QP to get paid on a load?

A legible rate confirmation plus a signed bill of lading or proof of delivery, uploaded through the QP app.