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That percentage is not what quick-pay costs you.

A funding offer says 1.5% of the invoice and stops there, which is the least useful number available: the same slice for three days and for forty-five are two different products wearing the same label. Put in a bill, how many days you would be pulling forward, and the miles it ran, and this page prices the trade three ways — dollars out of the deal, the same fee as a yearly rate on the money that actually arrives, and dollars per mile.

Arithmetic on your own numbers, not financial advice. It does not recommend selling a bill, and it does not quote any particular company; the three rates below are the shape offers usually take, and the only one that matters is the one on your agreement.

The bill What the invoice says, before the fee. Days you would be waiting Today to the date the payer agreed to pay on. Net-30 sent yesterday is 29. Miles on that load (optional) The miles you actually drove, loaded and empty. This is the line that lands: a fee in the middle of a load looks nothing like a fee per mile. The rate on your own agreement (optional) Typed in, it is priced alongside the three and marked as yours.

The fee is one of four places a bill loses money.

Quick-pay takes a slice off the front. A payer takes a slice off the back and calls it a claim. OOToolkit keeps both: the bill, what actually arrived, what was deducted and what a dispute got back, plus the detention clock the deductions usually cite.

Try a whole carrier’s week Cost per mile