The lowest rates for truck factoring

Experience SmartPay by Outgo: the modern solution for factoring. Benefit from the industry's lowest rates and same-day payments, while revolutionizing your money management as a carrier. Discover how we help you cut costs, save time, and grow your business.

Get Started Today!

Join our program and start getting paid faster and rates as low as 1%!

A new kind of factoring company

Lowest industry rates

With industry-low rates as low as 1%, it’s easy to see why we’re a better choice than traditional factoring companies for truckers.

Immediate cash flow

No more waiting around to get paid. With SmartPay, you’ll receive payments on the same day your load is delivered, sometimes as fast as 4 hours.

Smart money made easy

Broker verification, document upload and transcription, payment alerts, expert advice, and expense tracking. SmartPay has all the tools you need.

How it works

Set up your SmartHop account (Free for all SmartPay customers!)

Submit documents to build invoices from completed trips.

Relax while we collect payment from brokers and track invoice status.

Access your funds using the Outgo Debit Card, ACH & Wire transfer, or ATM.

Embrace the complete SmartHop experience

Our revolutionary smart TMS has you covered from finding freight, to executing the trip, to getting paid.

By connecting each solution in a single platform, we’re making it easier for customers to make informed decisions, rapidly, so they can maximize profit potential at every opportunity.

Find freight

Execute the trip

Get paid

A factoring company that puts you first

With SmartPay, you’re always in control. We’ll help you switch providers and get set up in 48 hours or less. There are no annual contracts, so you can take your time deciding if SmartPay is right for you. You’ll never experience hidden fees on payments, so you can take home more of your hard-earned money.

Ready to get started?

See how SmartHop can help you maximize your profit potential with every trip to build a healthier trucking business.