Best Factoring & Financing Software for 3PLs

OTR Solutions provides factoring services for freight brokers with fast funding and competitive rates through its QuickPay platform. Brokers receive same-day payment on approved invoices while OTR handles shipper collections and credit management. Features include free shipper credit checks, a real-time online portal, and automated remittance processing. The platform integrates with major TMS systems for streamlined invoice submission. Flexible terms with no long-term contracts suit brokerages of all sizes.

U.S. Bank Supply Chain Finance (U.S. Bancorp, NYSE: USB). HQ: Minneapolis, MN. Founded 1863. CEO: Gunjan Kedia (2025). $28.18B revenue (2024). 70,000+ employees across 13 countries. Supply chain finance and trade finance solutions spanning six continents via partner bank network. Receivables Purchase Program converts credit sales to immediate cash flow. Approved Payables Financing enables early supplier payment while reducing processing costs. Letters of credit, documentary collections, and foreign exchange solutions for cross-border trade. LiquidX partnership (2022) for single-interface supplier/buyer/bank connectivity and ESG-aligned diverse supplier financing. Levantor Capital partnership (2024) for flexible working capital across multiple jurisdictions. First U.S. bank to execute fully blockchain-based trade finance via WaveBL. Rated among 2025 World's Most Ethical Companies.

TriumphPay Factoring provides non-recourse freight factoring with same-day funding and fuel advances. Integrated with the TriumphPay network, it supports carriers with digital wallet and fuel card programs.

Pipe provides revenue-based financing for SaaS and technology-enabled logistics companies. The platform allows businesses to trade future recurring revenue for immediate capital without dilution or traditional debt. AI-powered analytics assess revenue quality and customer metrics to determine trading capacity. This model is ideal for logistics technology startups and subscription-based platforms that need growth capital while maintaining equity. Integration with billing and accounting systems automates the revenue verification process.

Resolve provides B2B net terms and invoice financing for logistics companies and their customers. The platform enables businesses to offer net-30/60/90 payment terms to customers while receiving immediate payment on invoices. AI-powered credit decisioning evaluates buyer risk in seconds, with credit lines up to $500K per customer. The system integrates with accounting software and ERPs for automated invoicing, payment tracking, and collections, reducing DSO and improving cash flow predictability.