Fuel and Factor was founded by someone who spent years working in trucking and watched carriers, especially small operators and new authorities, get left behind by the financial tools that big fleets take for granted. We built this to change that.
Fuel and Factor wasn't started by bankers or tech entrepreneurs. It was built by someone who came up in the trucking industry and understood firsthand what it feels like to wait 60 days to get paid on a load. Or to pull into a truck stop and pay full rack price for diesel because you didn't have the right card.
Small carriers and owner-operators were getting squeezed from every direction. Slow-paying brokers. High fuel costs. Expensive insurance. Equipment they couldn't afford to buy outright. Meanwhile the big fleets had access to tools and programs that made all of those problems manageable.
So we built Fuel and Factor to level the playing field. Whether you're running one truck or twenty, brand new to the industry or a veteran of the road, you deserve access to the same financial tools the big guys have. That's exactly what we provide.
That belief is the foundation of everything we do at Fuel and Factor. We don't believe the size of your fleet should determine the quality of your financial services.
We exist to make sure that every trucker, from the owner-operator on their first load to the fleet owner running 50 trucks, has access to the fuel savings, cash flow tools, insurance coverage, and equipment financing they need to build a sustainable and profitable operation.
No fake numbers, no hidden fees, no bait-and-switch. We tell you exactly what to expect before you commit to anything. If it's not right for you, we'll tell you that too.
Every decision we make is centered on what's best for the carrier. We're not here to push products. We're here to build long-term relationships with people who haul freight for a living.
We know time is money in trucking. We move fast, respond quickly, and work to get you set up with the right programs without unnecessary delays or red tape.
New authority or established fleet, good credit or challenged credit, we have programs that work across the board. We don't turn carriers away before we've had a chance to find a solution.
Fuel cards, factoring, insurance, and equipment financing all through one contact. No juggling multiple vendors and relationships. We simplify so you can focus on running your business.
We come from the trucking world. We understand your operation, your challenges, and what actually matters on the road. That perspective shapes every recommendation we make.
We're straight shooters. We'll tell you what fits your situation and what doesn't. If a program isn't right for you, we won't push it. Our goal is a long-term relationship, not a one-time transaction.