CargoFi Finance

Your invoice, funded
in minutes

You delivered the load. The broker owes you money. We advance 97% immediately — you keep moving while we collect.

CargoFi vs traditional factoring

CargoFi FinanceTraditional Factor

Advance rate97%80–90%

Time to fundingMinutesNext day, 2pm cutoff

Total fee3%3–5% + hidden fees

Contract lock-inPer invoiceLong-term contract

RecourseNon-recourseOften recourse

ProcessDigital, 1 clickManual, fax & email

Load delivered. Upload your rate confirmation and BOL in CargoFi Dispatch. Takes 60 seconds.

CargoFi sends the advance to your bank account or USDC wallet within minutes of approval.

The broker pays CargoFi on their normal schedule. You never chase payment again.

—Active MC Number and DOT

—Cross-border or domestic dry van

—Invoice from a creditworthy broker

—Clean delivery — BOL and rate confirmation

—Signed rate confirmation

—Bill of Lading (BOL)

—Broker name and load number

—Bank account or USDC wallet for payout

Tell us about your load. We'll review and respond within 2 hours.