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.

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.

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.

Pipe is an embedded financial operating system for software platforms. It is not a logistics or supply‑chain application; instead, it provides financial infrastructure that platforms can integrate to keep their customers’ cash flowing without leaving the platform. With a single integration, partners can launch globally and offer capital and cash‑flow tools designed for small and medium‑sized businesses using their software. At the core of Pipe’s offering is Capital, which enables platforms to present fast, accessible funding to their customers. Pre‑approved offers are generated from transaction data available on the platform, reducing friction and time to decision. Repayments are flexible and based on sales, with no monthly minimums, aligning payback with the customer’s cash cycle. This approach helps platforms address working‑capital needs directly within their product experience. Pipe is built for a range of platform types, including vertical SaaS providers, payment facilitators, and marketplaces. Vertical SaaS platforms can leverage industry‑specific risk models to tailor financing to the realities of their sector. Payment facilitators can embed financing to support sellers, improve retention, and create new revenue opportunities tied to existing payment flows. Marketplaces can place financing at the center of their sellers’ cash flow, strengthening loyalty and share of wallet. Across these use cases, Pipe focuses on turning platform cash‑flow data into daily‑use financial tools that keep end customers engaged. Implementation emphasizes speed and ease. Partners can use low‑code options and easy‑to‑implement snippets supported by developer documentation and a dedicated team. Beyond technical integration, Pipe provides customer experience guidance and end‑to‑end go‑to‑market support to help partners drive activation, conversion, and utilization. This combination is designed to help platforms launch quickly, scale across regions, and deliver financing their customers will adopt. For marketplaces and software providers serving logistics and supply‑chain businesses, Pipe can be embedded into existing workflows to offer working capital to carriers, shippers, or service providers using the platform. By meeting cash‑flow needs in context—without requiring separate financing relationships—platforms can improve customer outcomes while strengthening their own retention and growth. Pipe’s embedded financial OS helps platforms turn operational data into accessible capital solutions delivered where customers already work.

U.S. Bank is one of the largest commercial banks in the United States, providing financial services to corporate and commercial clients through its Corporate & Commercial Banking division. These commercial services are distinct from the bank's consumer and small-business offerings and are accessed through dedicated relationship banking channels. Corporate clients can engage U.S. Bank's specialty finance teams to explore supply chain finance structures. Supply chain finance programs can help buyers offer extended terms or early payment options to suppliers. Receivables purchasing programs allow sellers to convert receivables to immediate cash. Approved payables financing programs support working capital optimization across buyer-supplier relationships. Trade finance capabilities—including letters of credit, documentary collections, and foreign exchange solutions—serve companies involved in cross-border commerce. Access to these corporate finance programs is through U.S. Bank's commercial banking relationship channels. Contact U.S. Bank's commercial banking team directly to discuss specific structures, eligibility, and availability for your organization.