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From Freight to Fintech: How HaulPay is Fixing Cash Flow and Credit Risk in Logistics
At HaulPay, we know the freight industry inside and out—because we’ve lived it. Our founder, Steve Kochan, started his career as a freight broker and quickly realized that the biggest challenge wasn’t moving freight—it was managing cash flow and avoiding bad debt.
That experience inspired what HaulPay is today: a fintech platform built to simplify payments, eliminate credit risk, and help brokers and carriers thrive.
Freight Brokers Shouldn’t Be the Bank
In the traditional model, brokers take on massive risk—fronting carrier payments long before getting paid by shippers. Payment terms are stretching longer, and risk is harder to assess in real time. That dynamic is broken.
HaulPay solves this by giving brokers a faster, smarter way to pay carriers without adding debt or overhead. Our non-recourse factoring and automated payment tools reduce exposure while accelerating cash flow.
Credit Intelligence
We’ve built HaulPay around one central idea: you can’t make smart payments without smart credit data. That’s why our platform doesn’t just fund invoices—we evaluate shipper risk upfront, every time.
With HaulPay, clients can:
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Automate approvals based on real-time credit scoring
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Eliminate collections on non-paying shippers
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Pay drivers same-day without the need for restrictive loans
Built by Operators, for Operators
Our leadership team knows what it means to run lean, move fast, and solve real problems for freight companies. Steve’s experience in both freight operations and fintech product development fuels how we build.
We prioritize:
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Trust-first client relationships
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Fast, seamless onboarding
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Continuous innovation driven by customer feedback
Why This Matters Now
As technology reshapes the freight ecosystem, brokers and carriers need better tools—not more complexity. HaulPay is leading the charge in embedded payments and real-time risk tools that keep our clients ahead of the curve.
We believe:
Freight is operationally intense. Payments shouldn’t be.
