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Truckers love Saint John Capital for…
  • Rates as low as 1.5%
  • Mobile self-service portal
  • No Reserves

Freight Factoring Rates as Low as 1.5%

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    Our Industry Leading Benefits Including

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    Industry's Lowest Rates

    With rates as low as 1.5%, Saint John Capital ensures you're getting the best possible deal.

    No Reserves

    When you factor with Saint John Capital, you get 100% of your cash advance.

    No Hidden Fees

    Avoid hidden fees as a freight factoring partner with Saint John Capital.

    Merge with your TMS

    Saint John Capital seamlessly integrates our technologies with the TMS of your choosing, providing you with all of the factoring resources you need in one location.

    Industries We Serve

    Saint John Capital offers freight factoring services to any industry including:
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    General Freight
    Drayage
    Intermodal
    Car Hauling
    Box Trucks
    Hot Shots
    Agriculture
    Oil and gas
    Manufacturing
    Recycling

    Why Truckers Love Saint John Capital

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    Bruno Philips
    Bruno Philips

    I have a fleet of 50 trucks and I can pretty much use any freight factoring company I want to but I stick with Saint John Capital because they have a load board to keep all drivers working because there are just so many loads for my drivers to select. Their Get Paid button on their program all my drivers to upload a picture of the signed bill of lading. From there, my accounting staff can generate invoices and upload them to our books so that the...

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    Jacquees Peterson
    Jacquees Peterson

    The incredible people at Saint John Capital are the most professional and courteous freight factoring leaders that I have ever had the pleasure of dealing with. They are a team of highly educated and experienced experts that are honest and very transparent with our business practices together.

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    Sonia Martin
    Sonia Martin

    My husband and I have no time to generate invoices and attach bill of ladings so we moved to this company that provides excellent factoring services. Their system allows us to quickly upload our bill of ladings and then the money just shows up in our bank account. We are a small trucking company but they service us like we our a large fleet. We feel so fortunate that our friends told us about them.

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    Guzman Barker
    Guzman Barker

    With us choosing to do business with Saint John Capital, our work is done a lot easier and far less stress than it would be if we decided to go with one of their many competitors. Time and time again I am reminded as to why this company is indeed the best one to work with.

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    Usher Crawford
    Usher Crawford

    Top shelf, top quality and vastly superior customer service skills is the credit to Saint John Capital’s successful track record in this industry. Always professional, always friendly and always eager to resolve problems is what makes this place survive. And if you want your company to survive as well, you must do business with them.

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    Samy Peterson
    Samy Peterson

    I have been in the trucking industry for a long time now and my fleet has 44 trucks. With a fleet that large I use Saint John Capital exclusively mainly because with these folks I end up saving close to $10K a month over using one of their competitors. That’s the kind of money that I hand out as bonuses to my employees and when they are happy, I make even more money.

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    Eric Solorio
    Eric Solorio

    My drivers really like how Saint John Capital lets them keep tabs on their income and expenditures through their very modern and easy to use website. The system is very straight forward and understandable which is a good thing because I know they would rather be moving freight than sitting in a computer class.

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    Zachary Troupe
    Zachary Troupe

    Saint John Capital’s website looks great on my laptop and their mobile site is so easy to use on my phone. I make use of being able to find the cheapest gas prices of any area I am in as well as discount offers. And I use the SJC credit card to pay for them!

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    Steven White
    Steven White

    The great people that run Saint John Capital always advance the entire 100% face value of the invoice every time they buy it. They also offer free ach for next day pay. And unlike other freight factoring companies, they do not hold back any reserves.

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    Nick Henson
    Nick Henson

    Our dealings with Saint John Capital have been pretty awesome. They are all collectively responsive, professional and they deliver exactly what they advertise. We have been using them for several years now and I am pretty sure we are here to stay.

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    Sebastian Waffle
    Sebastian Waffle

    There are so many factors in the day to day operations of the trucking industry that one needs to be very flexible to changes. The place we used to have for freight factoring were too rigid for our needs. This is why we use Saint John Capital as they adjust with us as different things come up.

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    Mark Etherton
    Mark Etherton

    My small but strong trucking company has been factoring with Saint John Capital since 2015 and the service has been and I dare say will continue to be the most excellent experience we have enjoyed. Working with them has been wonderful. She is very pleasant and responds to our draw down requests very quickly. There have never been any negative issues at all. She was helpful in getting us the help we needed to understand how everything worked with ...

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    Mathew Stock
    Mathew Stock

    One good thing about using Saint John Capital for your freight factoring needs is that they offer free ach for next day pay. They will also advance all of the invoice’s face value. They will also not hold back any of the reserves. None of the other companies that offer freight factoring has ever done that for us.

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    Daniel Wood
    Daniel Wood

    I highly recommend using the freight factoring services offered by Saint John Capital as they have quite literally helped my trucking business expand to the large fleet and satellite locations we have today. SJC and the incredible people who work there is a great asset to me!

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    George Maston
    George Maston

    When I’m hauling out on the road, I have confidence that having Saint John Capital on my side for freight factoring is a good thing. I know I will get paid in a timely manner for my work without having to go through any red tape.

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    Quinn Schaeffer
    Quinn Schaeffer

    I am a startup trucking firm and SJC was strongly suggested to use for our freight factoring needs. There were absolutely no problems or surprises with the application process. The person I worked with was very professional so I do believe I made the right choice.

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    Peterson Grant
    Peterson Grant

    I like using Saint John Capital for all my truckers freight factoring because of their get paid service which keeps them all happy. Unlike other places, SJC seems to use very modern technology especially through their website. Additionally, anyone I have ever dealt with there seems on top of things.

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    Ramirol Melvin
    Ramirol Melvin

    Our trucking company’s continued growth and phenomenal successes would not have been achieved if we partnered up with anyone else other that Saint John Capital. They are an indispensable part of my business’s continuing operations. They are always available whenever I call and they are swift to take care of my needs.

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    Arthur Garvan
    Arthur Garvan

    Our dealings with Saint John Capital have been very profitable for us. Their freight factoring services are second to none. We do not look at them so much as a service but more so as our partner when it comes to our daily operations.

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    Ana B
    Ana B

    This has to be the largest factoring company that coincidentally provides the best factoring service to truckers of all sizes. We know them well because so many other local trucking companies also use their factoring services. To be more specific our trucking company has been using their factoring services for over 10 years and we are looking forward to factoring our invoices with them for another 10 years. Now I can not say we have used their fu...

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    Carol Harger
    Carol Harger

    Of all the freight factoring companies I have dealt with, Saint John Capital is, hands down, the jewel in the crown. We started doing business with them after the last place caused us very costly problem and I declared that incident would be the last time. SJC provides great, top shelf quality servicing from a professional yet friendly staff.

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    Virendra Kumar
    Virendra Kumar

    Saint John Capital is an amazing place that does freight factoring with their get paid the same day service. We have used other places prior but with these wonderful folks our monthly savings average about $5,000. This is a great deal to us and it is because of SJC.

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    Wiley Gerow
    Wiley Gerow

    Saint John Capital offers free ach for next day pay and they will advance the entire, yes you read that right, ENTIRE 100% face value of the invoice each and every time they purchase it. And best of all, they do not hold back any of the reserves. Now ask yourself this, does the freight factoring place your trucking company uses do that? You already know the answer so do yourself and your hard working drivers a favor and switch over to SJC.

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    Albert Hamilton
    Albert Hamilton

    With Saint John Capital, you can be assured that they will do everything you hired them for. That’s because they are all highly educated and very savvy about the trucking business. They will give you superior customer service. We have been using them for many years already and many more years to come.

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    Hooke Murphy
    Hooke Murphy

    My job is made easier with Saint John Capital. I use their site for everything, such as finding loads, getting paid, tracking all of my expenses and income. I am on the road so much that I have to work along the way. SJC lets me do all of that and more!

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    Kenneth Potter
    Kenneth Potter

    I use my Saint John Capital site every day. I can choose from a number of loads that pay more and I get paid faster too. I keep track of all of my spending and incoming monies on the site. It’s like one stop shopping for me! Thanks SJC!

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    Carlos Silva
    Carlos Silva

    Saint John Capital has a great program, which I joined. I get paid sooner after drop off, I can find new loads to deliver, and track my expenses. I take advantage of the fuel finder regularly and that save me money on my largest expense, gas. I love Saint John!

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    Peggy Chavez
    Peggy Chavez

    Saint John Capital has been a great addition to my business. We have ten trucks and we use this site daily. I can pick loads, which pay more here, track expenses, even find the lowest gas prices around the country. Their customer service is great too. I called with some questions and they were friendly and professional. I am so glad I have this service!

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    Lydia Coffey
    Lydia Coffey

    My business runs so much better since I signed up on the Saint John mobile site! Their routes pay more than anywhere else I’ve seen. The gas finder helps to shave money off of that expense, saving me money. I track all of my finances on the site too and I am always current with that too. This is a great tool for my business!

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    Rosalie Berger
    Rosalie Berger

    With the Saint John Capital mobile site, I have increased my business. Once I signed up, I was excited to see that their loads pay the highest I’ve ever seen. Their service is great and the people are happy to answer questions. I also get paid faster too! SJC is great!

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    Barrie Sharp
    Barrie Sharp

    I use the Saint John Capital mobile site for my business and I am very happy. I can find higher paying loads and make myself a great route to work. This helps me to support my family and see them more often. They are also very nice when I call with a question. This is a great company!

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    George Damson

    Best factor rates and staff is great. I own two trucking companies with my boys and both of our children are pleased with their factoring services. They have always given us us a 100% advance rate and hold back no reserves. We have been with them for over 5 years and I am pleased to say that we will conti...

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    Alecia W.

    I make more money and I am paid faster with Saint John Capital. They use freight factoring and I can also pick my loads on their mobile site. This keeps me in business and always on the move. I highly recommend them for your next load. Thank you.

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    Tish Price

    I love that customer service is available anytime. The fuel card benefits is absolutely wonderful. You guys are the best...

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    Liv Kalay

    Very professional company. The staff is so friendly and helpful. I highly recommend them and could not be more pleased and satisfied with their work and help...

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    Darian Ortiz

    Great Company. Highly recommend these guys.The customer service here is the best I have experienced. They are so flexible and receptive...

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    Zaki Kohistani

    I just started my own Company and a friend referred me to Saint John Capital. Since I was shopping around for a factoring company, I gave them a call first. I can say I’m proud of my decision to have called them first...

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    Daniel Johnson

    Heard about them through my cousin and so my wife and I will open an account with them. They have been paying out on my cousins invoices for over 3 years and he's never had any problem selling them his invoices...

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    Jamari Sprueil

    I was referred to this company recently and decided to give them a shot. I must say I was very impressed by their factoring SOP. The company operates with integrity and they always keep communication lines open both ways...

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    Nico Janaovic

    Easy sign up same day, got paid same day, it was 1 2 3 and boom the money was in my account. Factoring is so easy with Saint John capital! Easy to understand and manage! Highly recommend this truck factoring company!

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    Larry Jennings

    Love these guys! They buy my invoices instantly with no hassles. My previous factoring company would always challenge every schedule of invoices and I would have to bite my teeth wondering if I was going to get paid or not, but not these guys. And the best part is they pay me on the same day I drop off the invoices.

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    John Busuioc

    Saint John Capital is a really good freight factoring company. Easy to set up and work with, just send BOLs and money got to my account same day. The customer service is professional and excellent, working for more 2 years and never had any issues. I would highly recommend! Thank You!

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    AS Trans

    Honest factoring company they pay me same day when I give them the BOLS. Low rates and no reserves. Highly recommend.

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    USA Logistics And Trucking Inc.

    Great factoring company. Easy and joy to work with. 100% recommend

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    Synergy Express Inc

    Great company , I would strongly recommend St. John to anybody, it’s a pleasure doing business with this people…

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    Ruslana Pentya

    Saint John Capital is my freight factoring company for over 2 years now. Good company low rates with 100% advances.

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    Vlad Skorvic

    Awesome factoring company! low rates 100% advances. They pay me on time every time and they don’t need the originals! Great service I will never leave this company!!

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    Frank P.

    Great service, low rates, and I always get funded same day with 100% advances. The most exceptional factoring company I have ever came across! I would highly recommend!

    Frequently Asked Questions

    Snap a picture of your invoice and submit it with ease with SJC's user friendly portal. Once you are set up with SJC, you will have access to our online portal which allows you to submit invoices, analyze aging reports, and gain access to additional services like lines of credit and credit checks to help your business needs.
    Enjoy SJC's same day or next day pay via Wire transfer or ACH. At SJC you have the option to wire your funds the same day for a small fee or receive them the next day via ACH payment for free.
    With SJC's quick onboarding process, we can have your account set up in 2 business days. Our onboarding team specializes in helping clients move on from there previous factors in order to make sure they are able to smoothly keep their business moving forward.
    With SJC advanced credit check, you'll be able to log in to your online portal and check any customers credit via our credit check. Our credit checks are live, which means they report the most accurate information for you to make your decision on if they are a good customer to work with.
    Yes. Try our 60-day trial which allows for carriers to try out SJC Factoring and see if it is a good fit for them. You can try out our service without the worry of being locked into a contract.
    Yes. SJC will buyout your account from other factors in order to ensure a smooth transition process. Speak to one of our buyout experts on transitioning from your previous factor and what the process may look like for you.