Every factoring company says "same day." Drop Pay means minutes.
How it works
From delivery to funded account in minutes.
Submit an Invoice
Mobile app or client portal — takes 60 seconds from your cab.
Get Paid
Your account is funded within minutes of dropoff. No waiting around.
Access Your Money
Transfer to your bank, pay people, or spend directly from the Drop Pay app.
Your cash flow should move as fast as your truck
Running 24/7
No after-hours cutoffs. Deliver on Saturday night, get funded Saturday night. Zero exceptions.
Built for Drivers
Submit invoices from your cab. The app is designed for owner-operators on the road, not office workers.
No Surprises
Low flat rates, no hidden fees, no setup costs. What you see is what you get.
Get unstuck from
your factoring contract.
With Factoring Buyouts, We’ll Help You Secure the Rates and Service You Deserve.
Have more questions? Contact us directly
The buyout process
Get your buyout started in less than 24 hours. It’s easy to make the switch from your current factoring contract to ours. At Express Freight Finance, reach out to put things in motion and we’ll take care of the rest.
Apply Online
DriverPay works with DropPay to facilitate immediate payments 24/7/365 and gives you total control over your cash flow.
Get a Free Contract Review
Email us your current factoring agreement and we’ll review it at no cost. Can’t find your contract? No problem. We know the ins and outs of most factoring agreements and can guide you through the steps to make switching easy.
Put in Your Notice
We’ll assist you in sending your early termination notice to your current factoring company – and then we’ll handle your new factor agreement and buyout while staying in close communication every step of the way.
Continue Factoring
Even after providing your cancellation notice, you can keep factoring loads with your current company while we transition you to our program.
How you win
Freight factoring buyouts can be intimidating. But at Express Freight Finance, we make it easy. With more than a decade of experience in assisting clients with buying out their contracts, our team will provide you with early termination fee assistance.
An Honest Review
Send over your current factoring agreement for a free, no-obligation review. Our team will break it down and spot hidden fees or restrictions.
End-to-End Support
Ready to switch freight factoring providers? We’ll handle the transition, ensuring things go quickly and smoothly, with zero disruption to your cash flow.
Know Your Options
We’ll show you transparent, competitive alternatives tailored to your business, so you can make an informed decision with confidence.
Seamless transition, zero disruption.
Make the Switch TodayParked and waiting for your next load?
Submit your invoice from the lot. By the time you've fueled up and hit the road, your money is already in your account.
Apply Free — Takes 2 MinutesFrequently asked questions
How is Drop Pay different from other factoring companies?
Most factoring companies fund invoices in 24-48 hours during business hours only. Drop Pay funds your account within minutes of dropoff, 24 hours a day, 7 days a week, including holidays and weekends.
What are the rates?
Rates vary based on your volume and customer base. Get a custom rate quote — there are no hidden fees and no long-term contracts required.
Do I need a minimum volume?
No minimum volume requirements. Drop Pay works for owner-operators running a few loads a week and small fleets alike.
How do I access my money after I'm funded?
You can use funds directly from the Drop Pay app, transfer to your bank account, or pay vendors right from the app.
Get Started with Factoring
Fill out the form below and we'll get you set up right away.