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.