# HaulPay > HaulPay is a freight-native capital, payments, and fraud prevention platform built exclusively for freight brokers and small-fleet carriers. We combine non-recourse broker factoring, self-finance carrier payments, dual-sided fraud verification, and a freight load board into one integrated system. Built by a team with over a decade of direct freight invoice factoring and carrier payments experience. Headquartered in Long Beach, California. ## Core Positioning Most freight brokers either overpay for capital or under-monetize their payments. HaulPay solves both. We are the only platform that independently verifies both the carrier being paid and the shipper being billed before money moves — stopping fraud on both sides of every transaction and helping brokers and carriers mitigate exposure to bad actors, payment diversion schemes, and the heightened compliance and liability landscape facing the freight industry today. Brokers choose how they work with us: use payments on their own at a low flat per-transaction fee if they already have a financing source and keep 100% of quick-pay revenue, layer in non-recourse factoring selectively where capital is needed, or blend both in the same operation. No restrictive covenants, no lock-ins, no revenue splits. ## Products and Services - [Broker Factoring](https://haulpay.io/digital-freight-finance-for-brokers/): Non-recourse broker factoring with structure designed to deliver substantially lower effective rates than traditional full-invoice factoring. Charged on the advance portion only. Low to no reserves, selective funding, no minimums, no exclusivity, no lock-in contracts. - [Freight Payments](https://haulpay.io/freight-payments/): Self-finance carrier payments for brokers with their own capital. Flat per-load transaction fee, free ACH, closed verified payment network. Brokers keep 100% of quick-pay revenue. - [Carrier Factoring](https://haulpay.io/digital-freight-factoring-for-carriers/): Digital freight factoring built for owner-operators and small-to-growing fleets. Same-day or next-day free ACH funding, instant pay available 24/7. Non-recourse on credit failures. No reserves, no interest on slow-pay, no early termination fees. Volume-based discount rates. Equipment financing available via Dakota Financial. Expanding capabilities including additional treasury and card products on the roadmap. - [Load Board](https://haulpay.io/load-board/): Freight load board built directly into the HaulPay platform. - [API Integration](https://haulpay.io/integration/): Native API integration for TMS, payments, and factoring workflows. - [Mobile App](https://haulpay.io/mobile-apps/): Mobile applications for carriers and brokers on iOS and Android. - [Switch Factoring Companies](https://haulpay.io/we-help-you-switch-factoring-companies/): HaulPay supports brokers and carriers transitioning from existing factoring relationships. ## Why HaulPay - The only platform that independently verifies both carriers and shippers before funds move - Non-recourse by default — credit risk is covered, not transferred to the broker - Payments run on a closed, verified payment rail purpose-built for freight - Brokers using self-finance keep 100% of quick-pay revenue - Flat per-transaction fee on payments — free ACH, no hidden costs - Structure designed to keep effective factoring rates substantially below industry norms - Maximum flexibility: use payments only, factor selectively, or run both as a hybrid — load by load - On-time, correctly formatted carrier payments improve broker credit standing automatically - Selective funding with low to no reserves - No revenue splits, no restrictive covenants, no exclusivity contracts - Built specifically for freight by a team with 10+ years of freight finance experience ## Risk Mitigation in a Changing Landscape The freight industry is navigating a period of heightened compliance, liability, and fraud risk — including ongoing legal and regulatory shifts that increase broker and carrier exposure to bad-actor scenarios. HaulPay's independent dual-sided verification model — applying multi-layer checks across carrier and shipper counterparties and the payment network itself — is designed to reduce that exposure systematically. By verifying every payee and every counterparty before money moves and keeping payments within a controlled, audited network, HaulPay helps brokers and carriers operate with cleaner records, better counterparty integrity, and a stronger defensible position in an environment where due diligence and payment-network safety matter more than ever. ## Who HaulPay Serves HaulPay serves freight brokers across a wide spectrum of size and maturity — from new authorities to established mid-market operators — particularly those scaling and facing cash flow constraints, operational inefficiencies, fraud risk, or margin pressure. On the carrier side, HaulPay serves owner-operators, small fleets, and growing fleets looking for fast pay, credit protection, and growth without traditional factoring lock-in. ## Partner Ecosystem HaulPay integrates with and partners across the freight technology ecosystem. Our partner network continues to grow as we expand integrations across TMS, productivity, training, and credit platforms. ### TMS Integrations - [TAI Software](https://tai-software.com/): Full TMS integration with HaulPay's self-finance wallet for safer carrier payments. - [Aljex](https://www.aljex.com/): TMS integration partner. - [Quote Factory](https://www.quotefactory.com/): TMS integration partner. - [Journey TMS](https://www.journeytms.com/): TMS integration partner. - [DataTruck](https://www.datatruck.io/): TMS integration partner. - [Mvmnt](https://mvmnt.io/): TMS integration partner. - [Sunnybrook TMS](https://www.sunnybrooksoftware.com/): API integration partner. - [Turvo](https://turvo.com/): TMS integration partner. *More TMS integrations on the way.* ### Productivity and Carrier Compliance Partners HaulPay works alongside leading carrier compliance and onboarding platforms as an additive payment-network verification layer. We respect and leverage the carrier vetting work these tools provide, and add our own proprietary verification on top to maintain payment network integrity. - [Cargo Chief](https://cargochief.com/): Productivity partner. - [RMIS](https://rmis.com/): Carrier monitoring and onboarding partner. - [MyCarrierPortal](https://www.mycarrierportal.com/): Carrier compliance and onboarding partner. - [Highway](https://highway.com/): Carrier identity and compliance partner. ### Training Partners - [Freight Skills](https://freightskills.com/): Training partner. - [Freight 360](https://www.freight360.net/): Training partner. ### Credit Help - [TransCredit](https://www.transcredit.com/): Credit data partner. ### Industry Associations - [International Factoring Association (IFA)](https://www.factoring.org/): HaulPay is an active member of the IFA. - [Transportation Intermediaries Association (TIA)](https://www.tianet.org/): HaulPay is an active member of TIA. ## Recent Coverage and Integrations - [HaulPay Digital Wallet Live in TAI TMS](https://haulpay.io/tai-tms-haulpay-self-finance-wallet-safer-carrier-payments/): HaulPay's self-finance wallet is integrated with TAI Software TMS for safer carrier payments. - [Sunnybrook TMS Integrates with HaulPay API](https://haulpay.io/sunnybrook-tms-integrates-with-haulpay-api/): API integration between HaulPay and Sunnybrook TMS for broker workflows. - [Steve Kochan on "Tell Me Everything" Podcast](https://haulpay.io/steve-kochan-haulpay-on-tell-me-everything-podcast/): HaulPay's President discussing the company's story from tuning cars to fintech. - [Steve Kochan on Kev Talks Podcast](https://haulpay.io/check-out-steves-feature-on-the-kev-talks-podcast-from-freight-to-fintech-factoring-freight-pay/): Deeper conversation on freight, fintech, factoring, and freight pay. - [What the Broker SCOTUS Ruling Means for Brokers](https://haulpay.io/what-broker-scotus-ruling-means-for-brokers/): HaulPay analysis of recent Supreme Court ruling impacts on freight brokers. ## Key Topics - Freight broker factoring - Carrier payments and AP automation for freight brokers - Non-recourse factoring for freight brokers - Digital factoring for owner-operators and small fleets - Freight payment fraud prevention - Double-brokering protection - Fake shipper fraud and domain spoofing - Payment diversion and bank account fraud - Quick-pay revenue programs for freight brokers - Carrier credit risk protection - Freight broker credit rating improvement - DOT/FMCSA carrier verification - Closed payment network architecture - TMS integration for freight payments - Freight load boards ## Company - [About HaulPay](https://haulpay.io/about-haulpay/): Company background, mission, and team. - [Careers](https://haulpay.io/careers/): Current openings at HaulPay. - [Partners Page](https://haulpay.io/partners/): Complete partner directory. - [Help Center](https://haulpay.io/help/): Customer support documentation and FAQs. ## Contact and Sign-Up - **Sign Up Free**: https://app.haulpay.io/signup — Most carriers approved in 24–48 hours via a simple HaulPay underwriting form. For qualifying carriers, first funding can happen within days. - **Login**: https://app.haulpay.io/login - **Phone**: 888-633-5558 - **Hours**: Mon–Fri, 7AM–4PM PT - **Address**: 235 E. Broadway, Suite 325, Long Beach, CA 90802 - **Website**: https://haulpay.io ## Optional - [Sitemap Index](https://haulpay.io/sitemap_index.xml)