Need money before the load pays? Every option, by load stage

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

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Quick answer

Match the tool to where the load is. Booked, not loaded: no factor or broker we checked pays yet. Loaded: a fuel advance pays 40%–60% at pickup (OTR up to 50% for $15–$24 source). Delivered: broker quick pay (1.5%–5%) or factoring (Outgo 3% source) pays within hours to two days.

Key takeaways

Every load-based advance we found starts at pickup, never at booking.
Fuel advances: 40%–60% of the load, paid once you’re loaded.
Quick pay after delivery: 1.5%–5% on brokers’ own pages.
Factoring covers every broker and can be instant; published rates start at Outgo’s 3%.

Top picks

Advance + factoring
OTR Solutions
Up to 50% of linehaul before delivery, then instant 24/7 funding at delivery. source
Details Visit site
No contract
FactorLoads
40%–60% at pickup with spot factoring and no monthly minimum. source
Details Visit site
Published rate
DAT Outgo
3% under $18K a month, funding in 4 hours or less, no annual contract. source
Details Visit site

I have scheduled loads but need money now

This is the hardest spot to be in, because nobody pays on a load you haven’t picked up. What you can do today:

Get set up with a factor that does fuel advances now, before pickup day, so the broker is approved when you’re loaded. See factoring companies with fuel advances.
Ask the broker whether it advances fuel on its own loads. C.H. Robinson offers up to 60% after pickup source; Werner pays 40% by money code for $10 source.
Factor or quick pay anything already delivered to free up cash for the next trip.

Every way to get paid early, by load stage

Checked on each company’s own page, Nov 4, 2026.
Load stage	Option	How much	Cost	Speed	Source
Loaded	OTR fuel advance	Up to 50% of linehaul	$15 card / $24 Comchek	Before delivery	source
Loaded	FactorLoads advance	40%–60%	Not published	At pickup	source
Loaded	C.H. Robinson Cash Advance	Up to 60%	Not published	After pickup	source
Loaded	Werner Advance Pay	40%	$10	Money code after loaded call	source
Delivered	RXO AdvancePay	Invoice	4%	Within 1 hour	source
Delivered	J.B. Hunt quick pay	Invoice	1.5%, waived on Carrier 360	About 2 days	source
Delivered	TQL quick pay	Invoice	5% (1 day) / 3% (7 days)	1 or 7 days	source
Delivered	Outgo factoring	Invoice	3% under $18K/mo	4 hours or less	source

What “advance on load” means

An advance on load is part of the load’s pay sent to you once you’re loaded, usually for fuel. It comes back out of the final payment. OTR describes it as up to 50% of the linehaul paid before delivery and deducted from your final settlement source.

Which one to pick

Need fuel to finish this trip: fuel advance.
One broker, cheap quick pay: quick pay vs factoring.
Many brokers, don’t want lock-in: spot factoring.
Worried a broker won’t pay: non-recourse.

Where to start

1. OTR Solutions

Published advance fees

OTR says advances pay up to 50% of the linehaul before the load delivers, for fuel and other trip costs, and the amount comes off your final payment. Its fee schedule is public: $15 when the advance goes to the OTR Fuel Card, $24 when it is issued by Comchek. It also offers lumper advances.

Watch for: Once you factor a broker with OTR, later invoices from that broker must be factored until released.

Sources: otrsolutions.com · otrsolutions.com · otrsolutions.com

Visit OTR Solutions

2. FactorLoads

Biggest stated range

FactorLoads says it advances 40% to 60% of the load when you pick it up, with no contracts, spot factoring, no monthly minimums and recourse or non-recourse programs.

Watch for: The page does not list a per-advance fee or factoring rate.

Sources: portal.factorloads.com

Visit FactorLoads

3. Cashway Funding

Free enrollment

Cashway says factoring clients can enroll in its Emergency Fuel Advance program for free and collect a 50% advance as soon as they pick up an approved load.

Watch for: Program terms and conditions apply, and the per-advance fee is not listed on the page.

Sources: cashwayfunding.com

Visit Cashway Funding

4. DAT Outgo

Published rate card

Outgo publishes its rates (3% under $18K a month) and states no annual contract with a 15-day cancel notice.

Watch for: Above $80K a month, rates are custom.

Sources: outgo.dat.com

Visit DAT Outgo

Frequently asked questions

I have scheduled loads but need money now. What can I do?

You can’t borrow against a load you haven’t picked up through factoring or quick pay. Once you are loaded, a fuel advance pays 40%–60% of the load (OTR, FactorLoads, Cashway, C.H. Robinson). Once delivered, broker quick pay or factoring pays the rest within hours to two days.

Can I get an advance on a load before pickup?

Not from the factors and brokers we checked. Every published fuel advance starts at pickup or once loaded, with a signed rate confirmation and bill of lading.

What is the fastest way to get paid for a load?

After delivery, RXO starts quick pay the same day for 2.5% and its AdvancePay pays by Comchek within an hour for 4%. OTR advertises instant 24/7 funding for factored invoices.

Is a merchant cash advance a good idea for a trucker?

A merchant cash advance is not tied to a load: it is repaid from your future revenue, often daily or weekly. Load-based options (fuel advance, quick pay, factoring) have published per-load costs, so price those first and compare the total payback in writing before signing anything else.

Do I need good credit to get paid early on a load?

Factoring and quick pay mostly depend on the broker’s credit, not yours. Factoring Express says its fuel advances don’t need strong credit.