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Audit, factoring, load board, or nothing?
These are four different jobs, not four brands of the same thing. A load board finds work. Factoring speeds up cash on invoices you already sent. An audit checks whether those invoices were right in the first place. Doing nothing is also a choice, and it has a cost.
One load, three places money can go wrong
Before the load: did you find a good one at a rate that pays? That is where a load board helps. After the invoice: how fast does the cash arrive? That is where factoring or quick pay helps.
In between sits a step neither one touches: did the invoice include everything the rate con said you earned? A factor can only advance on what you billed. A missing detention line stays missing.
Doing nothing versus a free first audit
We are the audit, so read this table with that in mind. Every cell says what the audit does and does not do.
| Question | Do nothing | Free first audit |
|---|---|---|
| Cost today | $0 | $0 for the first audit on up to 20 loads |
| Your time | None | Export a CSV of recent loads and remove personal data. Rate cons and invoices help but are not needed to start. |
| What you learn | Nothing new. You keep working from memory and gut feel. | Rate per loaded mile against per all mile, unbilled items flagged with their formula, slow-paying invoices, shown separately. |
| Risk | Small amounts keep leaking. Owners in public trucking forums describe writing small losses off to avoid friction with a broker. | We use your file to build your audit and delete or anonymize it on request. The report does not promise any amount. |
| What it does not do | Fixes nothing. | Does not collect for you, find loads, set rates or give legal advice. Anything after the first audit is scoped and priced in writing. |
| Reasonable if | Your paperwork is already checked every week and you can show it. | You have not compared rate cons to invoices in months, or at all. |
No price for work after the first audit appears here because none is published yet. See pricing.
Load board versus factoring versus audit
They stack. Most carriers use more than one. The point is to know which problem each one solves.
| Question | Load board | Factoring | Profit audit |
|---|---|---|---|
| The job | Find freight to haul | Get paid sooner on invoices already sent | Check that invoices match what was earned |
| Where it acts | Before the load | After the invoice | Between delivery and invoice, and in the paid history |
| How you pay | Usually a subscription. Check the current price with the provider. | A fee on each invoice sold. Read the full fee schedule, including extras, before signing. | First audit free. Later work scoped in writing. |
| Finds unbilled detention or lumper | No | No. It advances on the invoice you sent. | Yes, that is the main job. |
| Speeds up cash | No | Yes, that is the main job. | Indirectly. Collected claims add cash. Slow pay is shown, not sped up. |
| Helps you pick better loads | Gives you the choices | No | After the fact. It shows which lanes and brokers paid best per mile you drove. |
| What it will not fix | A rate con you signed, or a broker who pays late | A missing line on an invoice, or a disputed one | Cash timing, load finding and brokers who will not pay |
How to read this
A factor only advances money on the invoice it sees. If the invoice left out a $125 detention line, the advance does not include it either. Fix the invoice first, then decide how fast you want to be paid.
Sources and limits. Based on our own competitor review (October 2026): public sites for factoring and back-office services mostly headline speed of cash, and the ones we reviewed did not headline unbilled earned money. The same review found load-finding tools advertise finding work. We do not name companies here. Public sites change, so this describes the typical headline at the time of the review, not any one company today. Fee levels vary and we state none.
Which one first?
- Cash is tight this week: look at quick pay or factoring terms. Compare the total cost with the factoring cost tool.
- You do not know which loads pay: run load profit on your last few loads before you pick the next one.
- You send invoices but feel money is missing: that is the audit.
- Invoices sit past 45 days: start with invoice aging and call the oldest first.
What none of this replaces
- Reading your rate con before you sign it.
- Getting times and signatures at the dock.
- Advice from your accountant or lawyer on fees and contracts.
See what your last 20 loads show.
One short form. We reply by email with the next step, and a one-page report follows. Free, no obligation.
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