Invoice financing for transport
Invoice financing for transport — freight pays today, not 45 days later
Fuel, tyres, lease instalments and driver wages don't flex. With invoice financing you get the freight or run paid into your account the same day the consignment note is sent.
See how much you get from your invoices
Adjust the invoice amount and payment term. We show the money to your account today and the fee estimate.
To your account today (net)
€49,510
- Financing (100 %)
- €50,000
- Fee (0.98 % / 30 days)
- €490
Money in your account the same day
Why transport operators choose invoice financing
Margins are tight and cash conversion is critical in transport. A single €30,000 freight invoice waiting 45 days for payment can stop a small operator — especially when the fuel bill is due next week. Invoice financing smooths that rhythm.
Fuel, AdBlue and tyres covered right after the consignment note
Driver wages and payroll taxes paid predictably on time
Lease and service instalments run without reminders
Seasonal peak weeks don't break the cash flow
Limit follows revenue — grow without queueing at the bank
Credit loss risk transfers to us (non-recourse available)
Typical use cases — transport companies
Contract haulage for retail chains
Grocery chains pay with 30–45 day terms. You get every day's billing in your account immediately, not in the middle of next month.
Long-distance export run
A single €25,000 EU run ties up fuel and the driver's wage up front. Invoice financing covers those costs before the forwarder pays.
Distribution and courier traffic
E-commerce delivery volume swings week to week. You get every weekly billing immediately — even across the Black Friday peak.
Industry pain points and how invoice financing solves them
Fuel paid up front
Challenge: Fill-ups hit the cash account immediately even though the freight invoice is paid only a month later.
Solution: You get the freight money before the fuel bill is due — cash doesn't go negative.
Driver wages are a fixed cost
Challenge: Wages run every 15th regardless of customer payment delays.
Solution: Predictable daily financing ensures cover on payday.
One large buyer = large risk
Challenge: A retail chain or forwarder going late can take down a small operator.
Solution: In a non-recourse model the credit loss sits with us — you get paid for certain.
Lease instalments and service
Challenge: Equipment leases and service intervals don't negotiate payment terms.
Solution: Steady cash flow keeps every instalment on time without late interest.
Seasonal swings
Challenge: Summer and Christmas peaks require more working capital than the bank can adjust in time.
Solution: The limit flexes with volume — drive more, finance more.
Fuel price spikes
Challenge: A sudden petrol price jump eats margin before the customer pays.
Solution: You receive the customer invoice immediately, so the price spike doesn't sit on you.
Is invoice financing right for transport companies?
Right for you if…
- Contract transport for retail, industry or forwarders
- Payment terms 14–60 days
- 1–50 vehicle fleet, owned or leased
- Revenue €100,000 – €10M
- Regular B2B invoicing
May not fit if…
- Occasional B2C moving help
- Cash jobs without invoicing
- Buyers with poor credit or no track record
Frequently asked questions
Start transport invoice financing today
We usually get back to you the same business day. Submitting is non-binding.
See also: Invoice financing · For SMEs · What is factoring? · Pricing